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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 | $194,468 | $106,524+82.6% | $152,301+27.7% | $87,485+122.3% |
| Participation rate | 85.7% | 75.8%+10.0pp | 82.4%+3.3pp | 68.9%+16.8pp |
| Annual return | 13.87% | 26.89%-13.0pp | 80.50%-66.6pp | 26.06%-12.2pp |
| Employer contribution / active EE | $3,535 | $3,371+4.9% | $4,624-23.6% | $2,596+36.2% |
| Participant deferral / active EE | $7,675 | $6,525+17.6% | $8,004-4.1% | $4,274+79.6% |
| Admin fee / account holder | $14,298 | $8,287+72.5% | $14,398-0.7% | $7,775+83.9% |