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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 | $163,711 | $135,956+20.4% | $123,894+32.1% | $273,972-40.2% |
| Participation rate | 83.3% | 84.1%-0.7pp | 81.4%+1.9pp | 83.0%+0.3pp |
| Annual return | 2.60% | 56.63%-54.0pp | 47.52%-44.9pp | 41.46%-38.9pp |
| Employer contribution / active EE | $6,637 | $5,170+28.4% | $4,617+43.8% | $4,869+36.3% |
| Participant deferral / active EE | $4,567 | $6,343-28.0% | $5,984-23.7% | $5,287-13.6% |
| Admin fee / account holder | $11,033 | $9,817+12.4% | $8,357+32.0% | $10,133+8.9% |