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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 | $171,657 | $81,487+110.7% | $102,412+67.6% | $80,935+112.1% |
| Participation rate | 85.7% | 66.8%+18.9pp | 74.5%+11.2pp | 67.7%+18.1pp |
| Annual return | 6.75% | 25.60%-18.8pp | 24.94%-18.2pp | 35.66%-28.9pp |
| Employer contribution / active EE | $2,617 | $3,103-15.7% | $3,870-32.4% | $2,757-5.1% |
| Participant deferral / active EE | $6,889 | $3,871+78.0% | $5,060+36.1% | $4,299+60.2% |
| Admin fee / account holder | $25,093 | $6,717+273.6% | $8,388+199.2% | $6,924+262.4% |