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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 | $95,320 | $56,134+69.8% | $96,192-0.9% | $85,851+11.0% |
| Participation rate | 92.3% | 56.7%+35.6pp | 68.4%+23.9pp | 69.3%+23.0pp |
| Annual return | 10.15% | 42.30%-32.2pp | 192.09%-181.9pp | 318.63%-308.5pp |
| Employer contribution / active EE | $1,441 | $1,620-11.1% | $2,799-48.5% | $2,565-43.8% |
| Participant deferral / active EE | $2,018 | $2,858-29.4% | $4,351-53.6% | $3,952-48.9% |
| Admin fee / account holder | $6,338 | $3,769+68.2% | $5,539+14.4% | $6,261+1.2% |