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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 | $160,767 | $97,550+64.8% | $120,344+33.6% | $87,485+83.8% |
| Participation rate | 96.3% | 72.8%+23.5pp | 76.7%+19.6pp | 68.9%+27.4pp |
| Annual return | 11.21% | 18.41%-7.2pp | 20.30%-9.1pp | 26.06%-14.9pp |
| Employer contribution / active EE | $2,892 | $2,291+26.2% | $3,020-4.3% | $2,596+11.4% |
| Participant deferral / active EE | $5,181 | $4,230+22.5% | $5,135+0.9% | $4,274+21.2% |
| Admin fee / account holder | $8,884 | $9,543-6.9% | $12,742-30.3% | $7,775+14.3% |