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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 | $178,773 | $124,425+43.7% | $112,040+59.6% | $137,256+30.2% |
| Participation rate | 87.5% | 79.3%+8.2pp | 76.5%+11.0pp | 80.0%+7.5pp |
| Annual return | 9.02% | 24.72%-15.7pp | 24.52%-15.5pp | 220.34%-211.3pp |
| Employer contribution / active EE | $1,982 | $3,411-41.9% | $2,954-32.9% | $4,156-52.3% |
| Participant deferral / active EE | $3,974 | $5,718-30.5% | $5,098-22.0% | $6,407-38.0% |
| Admin fee / account holder | $10,821 | $15,207-28.8% | $12,098-10.6% | $12,270-11.8% |