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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 | $191,909 | $100,970+90.1% | $96,576+98.7% | $137,256+39.8% |
| Participation rate | 87.5% | 82.6%+4.9pp | 81.4%+6.1pp | 80.0%+7.5pp |
| Annual return | 10.28% | 38.16%-27.9pp | 38.47%-28.2pp | 220.34%-210.1pp |
| Employer contribution / active EE | $3,351 | $3,809-12.0% | $3,553-5.7% | $4,156-19.4% |
| Participant deferral / active EE | $10,493 | $8,286+26.6% | $7,956+31.9% | $6,407+63.8% |
| Admin fee / account holder | $635 | $11,312-94.4% | $11,381-94.4% | $12,270-94.8% |