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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 | $164,816 | $77,816+111.8% | $123,549+33.4% | $64,181+156.8% |
| Participation rate | 97.1% | 74.7%+22.4pp | 82.3%+14.8pp | 69.6%+27.6pp |
| Annual return | -8.22% | 12.49%-20.7pp | 119.20%-127.4pp | 7.63%-15.8pp |
| Employer contribution / active EE | $8,437 | $3,014+179.9% | $4,628+82.3% | $2,381+254.4% |
| Participant deferral / active EE | $6,463 | $5,240+23.3% | $6,426+0.6% | $3,470+86.3% |
| Admin fee / account holder | $8,619 | $5,519+56.2% | $9,284-7.2% | $4,887+76.3% |