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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 | $137,826 | $73,978+86.3% | $96,515+42.8% | $75,173+83.3% |
| Participation rate | 85.2% | 66.4%+18.8pp | 74.3%+10.8pp | 67.2%+18.0pp |
| Annual return | 12.18% | 26.72%-14.5pp | 35.73%-23.6pp | 160.72%-148.5pp |
| Employer contribution / active EE | $6,695 | $2,931+128.5% | $3,740+79.0% | $2,671+150.7% |
| Participant deferral / active EE | $4,841 | $3,660+32.3% | $4,880-0.8% | $4,126+17.3% |
| Admin fee / account holder | $1,156 | $5,219-77.9% | $6,735-82.8% | $5,651-79.5% |