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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 | $142,904 | $181,896-21.4% | $156,551-8.7% | $273,972-47.8% |
| Participation rate | 91.7% | 88.4%+3.3pp | 84.0%+7.7pp | 83.0%+8.7pp |
| Annual return | 1.42% | 30.74%-29.3pp | 32.23%-30.8pp | 41.46%-40.0pp |
| Employer contribution / active EE | $9,718 | $6,248+55.5% | $5,501+76.6% | $4,869+99.6% |
| Participant deferral / active EE | $7,840 | $5,550+41.3% | $4,871+60.9% | $5,287+48.3% |
| Admin fee / account holder | $50,208 | $15,560+222.7% | $13,028+285.4% | $10,133+395.5% |