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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 | $106,749+82.2% | $145,433+33.7% | $82,448+135.9% |
| Participation rate | 85.7% | 75.6%+10.1pp | 82.1%+3.6pp | 68.1%+17.6pp |
| Annual return | 13.87% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $3,535 | $3,444+2.6% | $4,554-22.4% | $2,551+38.6% |
| Participant deferral / active EE | $7,675 | $6,519+17.7% | $7,897-2.8% | $4,139+85.4% |
| Admin fee / account holder | $14,298 | $8,390+70.4% | $13,129+8.9% | $7,234+97.6% |