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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 | $100,940 | $78,670+28.3% | $109,173-7.5% | $85,847+17.6% |
| Participation rate | 90.3% | 68.3%+22.0pp | 75.9%+14.4pp | 69.3%+21.0pp |
| Annual return | 10.42% | 25.09%-14.7pp | 25.75%-15.3pp | 318.61%-308.2pp |
| Employer contribution / active EE | $4,952 | $2,734+81.1% | $3,723+33.0% | $2,565+93.0% |
| Participant deferral / active EE | $9,194 | $3,467+165.2% | $4,654+97.6% | $3,952+132.6% |
| Admin fee / account holder | $1,029 | $5,469-81.2% | $6,755-84.8% | $6,261-83.6% |