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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 | $126,795 | $76,551+65.6% | $123,894+2.3% | $62,881+101.6% |
| Participation rate | 84.1% | 73.0%+11.1pp | 81.4%+2.7pp | 69.3%+14.8pp |
| Annual return | 1.85% | 18.68%-16.8pp | 47.52%-45.7pp | 20.14%-18.3pp |
| Employer contribution / active EE | $2,459 | $2,882-14.7% | $4,617-46.7% | $2,281+7.8% |
| Participant deferral / active EE | $6,355 | $4,840+31.3% | $5,984+6.2% | $3,203+98.4% |
| Admin fee / account holder | $5,575 | $4,826+15.5% | $8,357-33.3% | $4,296+29.8% |