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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 | $155,027 | $100,279+54.6% | $81,353+90.6% | $145,884+6.3% |
| Participation rate | 94.7% | 74.3%+20.5pp | 69.5%+25.2pp | 80.3%+14.4pp |
| Annual return | 7.07% | 34.49%-27.4pp | 24.82%-17.7pp | 551.85%-544.8pp |
| Employer contribution / active EE | $3,151 | $2,979+5.8% | $2,464+27.9% | $4,662-32.4% |
| Participant deferral / active EE | $5,022 | $4,611+8.9% | $3,885+29.3% | $6,690-24.9% |
| Admin fee / account holder | $4,027 | $8,206-50.9% | $5,766-30.2% | $13,392-69.9% |