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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 | $108,683 | $47,848+127.1% | $81,473+33.4% | $70,126+55.0% |
| Participation rate | 82.9% | 58.3%+24.7pp | 68.0%+15.0pp | 69.5%+13.4pp |
| Annual return | 10.76% | 27.25%-16.5pp | 38.78%-28.0pp | 73.15%-62.4pp |
| Employer contribution / active EE | $0 | $1,527-100.0% | $2,568-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $10,707 | $2,453+336.5% | $3,537+202.7% | $3,332+221.4% |
| Admin fee / account holder | $11,644 | $3,145+270.3% | $4,561+155.3% | $4,645+150.7% |