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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 | $116,440 | $73,978+57.4% | $96,515+20.6% | $75,173+54.9% |
| Participation rate | 90.9% | 66.4%+24.5pp | 74.3%+16.6pp | 67.2%+23.7pp |
| Annual return | 11.33% | 26.72%-15.4pp | 35.73%-24.4pp | 160.72%-149.4pp |
| Employer contribution / active EE | $8,739 | $2,931+198.2% | $3,740+133.7% | $2,671+227.2% |
| Participant deferral / active EE | $4,256 | $3,660+16.3% | $4,880-12.8% | $4,126+3.1% |
| Admin fee / account holder | $20,295 | $5,219+288.9% | $6,735+201.3% | $5,651+259.2% |