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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 | $125,098 | $107,666+16.2% | $102,184+22.4% | $154,746-19.2% |
| Participation rate | 83.3% | 83.7%-0.4pp | 82.6%+0.7pp | 80.7%+2.6pp |
| Annual return | 10.72% | 29.33%-18.6pp | 31.58%-20.9pp | 172.34%-161.6pp |
| Employer contribution / active EE | $1,732 | $3,846-55.0% | $3,594-51.8% | $4,379-60.5% |
| Participant deferral / active EE | $2,896 | $8,719-66.8% | $8,309-65.1% | $6,730-57.0% |
| Admin fee / account holder | $1,137 | $12,943-91.2% | $11,609-90.2% | $14,365-92.1% |