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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 | $170,599 | $81,504+109.3% | $102,437+66.5% | $80,959+110.7% |
| Participation rate | 92.1% | 66.9%+25.3pp | 74.5%+17.6pp | 67.7%+24.4pp |
| Annual return | 10.14% | 25.60%-15.5pp | 24.95%-14.8pp | 35.67%-25.5pp |
| Employer contribution / active EE | $2,539 | $3,104-18.2% | $3,871-34.4% | $2,757-7.9% |
| Participant deferral / active EE | $7,511 | $3,871+94.0% | $5,060+48.4% | $4,300+74.7% |
| Admin fee / account holder | $4,061 | $6,719-39.6% | $8,388-51.6% | $6,925-41.4% |