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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 | $167,382 | $148,629+12.6% | $135,982+23.1% | $139,487+20.0% |
| Participation rate | 88.9% | 83.9%+5.0pp | 81.9%+7.0pp | 80.3%+8.6pp |
| Annual return | 2.79% | 79.33%-76.5pp | 68.32%-65.5pp | 373.84%-371.1pp |
| Employer contribution / active EE | $7,331 | $5,247+39.7% | $4,859+50.9% | $4,755+54.2% |
| Participant deferral / active EE | $7,245 | $8,102-10.6% | $7,760-6.6% | $6,713+7.9% |
| Admin fee / account holder | $1,195 | $12,406-90.4% | $10,767-88.9% | $11,407-89.5% |