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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 | $234,866 | $110,379+112.8% | $102,412+129.3% | $145,884+61.0% |
| Participation rate | 78.9% | 77.9%+1.0pp | 74.5%+4.4pp | 80.3%-1.4pp |
| Annual return | 8.82% | 24.84%-16.0pp | 24.94%-16.1pp | 551.85%-543.0pp |
| Employer contribution / active EE | $2,302 | $4,216-45.4% | $3,870-40.5% | $4,662-50.6% |
| Participant deferral / active EE | $7,404 | $5,622+31.7% | $5,060+46.3% | $6,690+10.7% |
| Admin fee / account holder | $2,229 | $9,745-77.1% | $8,388-73.4% | $13,392-83.4% |