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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 | $156,026 | $81,504+91.4% | $102,437+52.3% | $80,959+92.7% |
| Participation rate | 88.2% | 66.9%+21.4pp | 74.5%+13.7pp | 67.7%+20.6pp |
| Annual return | 8.07% | 25.60%-17.5pp | 24.95%-16.9pp | 35.67%-27.6pp |
| Employer contribution / active EE | $2,504 | $3,104-19.3% | $3,871-35.3% | $2,757-9.2% |
| Participant deferral / active EE | $5,087 | $3,871+31.4% | $5,060+0.5% | $4,300+18.3% |
| Admin fee / account holder | $3,714 | $6,719-44.7% | $8,388-55.7% | $6,925-46.4% |