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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 | $107,484 | $81,487+31.9% | $102,412+5.0% | $80,935+32.8% |
| Participation rate | 80.0% | 66.8%+13.2pp | 74.5%+5.5pp | 67.7%+12.3pp |
| Annual return | 9.02% | 25.60%-16.6pp | 24.94%-15.9pp | 35.66%-26.6pp |
| Employer contribution / active EE | $2,537 | $3,103-18.2% | $3,870-34.4% | $2,757-8.0% |
| Participant deferral / active EE | $5,194 | $3,871+34.2% | $5,060+2.6% | $4,299+20.8% |
| Admin fee / account holder | $54,509 | $6,717+711.5% | $8,388+549.9% | $6,924+687.2% |