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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 | $129,892 | $84,236+54.2% | $170,435-23.8% | $70,126+85.2% |
| Participation rate | 92.6% | 70.8%+21.8pp | 83.6%+9.0pp | 69.5%+23.1pp |
| Annual return | 11.75% | 23.06%-11.3pp | 205.94%-194.2pp | 73.15%-61.4pp |
| Employer contribution / active EE | $6,537 | $3,387+93.0% | $5,432+20.3% | $2,343+179.0% |
| Participant deferral / active EE | $5,530 | $3,086+79.2% | $4,939+12.0% | $3,332+66.0% |
| Admin fee / account holder | $6,348 | $5,698+11.4% | $13,881-54.3% | $4,645+36.6% |