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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 | $158,488 | $110,303+43.7% | $95,759+65.5% | $139,487+13.6% |
| Participation rate | 75.0% | 75.7%-0.7pp | 72.3%+2.7pp | 80.3%-5.3pp |
| Annual return | 7.63% | 27.19%-19.6pp | 28.42%-20.8pp | 373.84%-366.2pp |
| Employer contribution / active EE | $20,197 | $3,261+519.4% | $2,836+612.1% | $4,755+324.8% |
| Participant deferral / active EE | $7,193 | $4,674+53.9% | $4,244+69.5% | $6,713+7.2% |
| Admin fee / account holder | $2,296 | $6,615-65.3% | $5,678-59.6% | $11,407-79.9% |