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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 | $100,782 | $78,520+28.4% | $96,576+4.4% | $82,448+22.2% |
| Participation rate | 82.5% | 77.7%+4.8pp | 81.4%+1.1pp | 68.1%+14.4pp |
| Annual return | 13.66% | 41.30%-27.6pp | 38.47%-24.8pp | 41.64%-28.0pp |
| Employer contribution / active EE | $4,484 | $2,630+70.5% | $3,553+26.2% | $2,551+75.8% |
| Participant deferral / active EE | $9,515 | $6,754+40.9% | $7,956+19.6% | $4,139+129.9% |
| Admin fee / account holder | $12,730 | $13,455-5.4% | $11,381+11.9% | $7,234+76.0% |