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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 | $149,580 | $72,492+106.3% | $87,104+71.7% | $72,975+105.0% |
| Participation rate | 80.0% | 72.8%+7.2pp | 76.9%+3.1pp | 69.5%+10.5pp |
| Annual return | 12.35% | 24.46%-12.1pp | 28.19%-15.8pp | 81.01%-68.7pp |
| Employer contribution / active EE | $1,493 | $1,894-21.1% | $2,521-40.8% | $2,440-38.8% |
| Participant deferral / active EE | $4,134 | $3,270+26.4% | $4,048+2.1% | $3,608+14.6% |
| Admin fee / account holder | $9,673 | $5,055+91.4% | $7,491+29.1% | $5,124+88.8% |