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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 | $180,336 | $102,609+75.8% | $98,090+83.8% | $138,895+29.8% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 11.97% | 36.44%-24.5pp | 37.05%-25.1pp | 145.39%-133.4pp |
| Employer contribution / active EE | $3,664 | $3,867-5.2% | $3,606+1.6% | $4,194-12.6% |
| Participant deferral / active EE | $14,674 | $8,167+79.7% | $7,845+87.1% | $6,396+129.4% |
| Admin fee / account holder | $2,184 | $11,434-80.9% | $11,815-81.5% | $12,562-82.6% |