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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 | $108,357 | $77,523+39.8% | $100,383+7.9% | $80,874+34.0% |
| Participation rate | 77.6% | 77.0%+0.6pp | 81.5%-3.9pp | 67.6%+9.9pp |
| Annual return | 11.15% | 37.21%-26.1pp | 49.26%-38.1pp | 35.62%-24.5pp |
| Employer contribution / active EE | $3,589 | $2,801+28.1% | $3,944-9.0% | $2,756+30.2% |
| Participant deferral / active EE | $8,474 | $6,822+24.2% | $8,086+4.8% | $4,297+97.2% |
| Admin fee / account holder | $38,498 | $5,899+552.7% | $7,900+387.3% | $6,935+455.1% |