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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $186,224 | $103,393+80.1% | $87,103+113.8% | $152,909+21.8% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.9%-1.9pp | 82.5%-7.5pp |
| Annual return | 4.17% | 28.10%-23.9pp | 28.19%-24.0pp | 345.46%-341.3pp |
| Employer contribution / active EE | $2,036 | $3,221-36.8% | $2,521-19.2% | $4,764-57.3% |
| Participant deferral / active EE | $8,625 | $4,778+80.5% | $4,049+113.0% | $5,851+47.4% |
| Admin fee / account holder | $723 | $12,195-94.1% | $7,491-90.3% | $11,601-93.8% |