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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 | $166,784 | $155,555+7.2% | $146,866+13.6% | $155,188+7.5% |
| Participation rate | 91.7% | 84.0%+7.7pp | 82.5%+9.2pp | 80.8%+10.9pp |
| Annual return | 4.13% | 115.41%-111.3pp | 102.85%-98.7pp | 148.84%-144.7pp |
| Employer contribution / active EE | $4,842 | $4,647+4.2% | $4,425+9.4% | $4,248+14.0% |
| Participant deferral / active EE | $11,445 | $8,044+42.3% | $7,759+47.5% | $6,531+75.2% |
| Admin fee / account holder | $8,061 | $14,755-45.4% | $13,620-40.8% | $14,480-44.3% |