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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 | $108,171 | $72,273+49.7% | $101,275+6.8% | $79,856+35.5% |
| Participation rate | 88.6% | 68.5%+20.1pp | 75.8%+12.8pp | 69.6%+18.9pp |
| Annual return | 2.58% | 22.30%-19.7pp | 46.48%-43.9pp | 31.71%-29.1pp |
| Employer contribution / active EE | $2,424 | $2,691-9.9% | $3,660-33.8% | $2,471-1.9% |
| Participant deferral / active EE | $4,907 | $3,282+49.5% | $4,371+12.3% | $3,741+31.2% |
| Admin fee / account holder | $5,636 | $4,401+28.0% | $5,948-5.3% | $5,306+6.2% |