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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 | $70,983 | $81,276-12.7% | $155,574-54.4% | $80,925-12.3% |
| Participation rate | 90.0% | 66.2%+23.8pp | 78.2%+11.8pp | 67.7%+22.3pp |
| Annual return | 7.91% | 33.36%-25.5pp | 64.87%-57.0pp | 35.65%-27.7pp |
| Employer contribution / active EE | $6,460 | $3,103+108.2% | $4,676+38.2% | $2,756+134.4% |
| Participant deferral / active EE | $4,381 | $3,453+26.9% | $5,629-22.2% | $4,299+1.9% |
| Admin fee / account holder | $11,336 | $7,993+41.8% | $15,914-28.8% | $6,940+63.3% |