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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 | $145,284 | $124,425+16.8% | $112,040+29.7% | $137,256+5.8% |
| Participation rate | 86.7% | 79.3%+7.4pp | 76.5%+10.2pp | 80.0%+6.7pp |
| Annual return | 7.70% | 24.72%-17.0pp | 24.52%-16.8pp | 220.34%-212.6pp |
| Employer contribution / active EE | $1,781 | $3,411-47.8% | $2,954-39.7% | $4,156-57.1% |
| Participant deferral / active EE | $5,460 | $5,718-4.5% | $5,098+7.1% | $6,407-14.8% |
| Admin fee / account holder | $12,052 | $15,207-20.7% | $12,098-0.4% | $12,270-1.8% |