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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 | $125,773 | $124,213+1.3% | $118,106+6.5% | $154,746-18.7% |
| Participation rate | 81.8% | 83.6%-1.8pp | 81.9%-0.1pp | 80.7%+1.1pp |
| Annual return | 9.69% | 18.29%-8.6pp | 19.44%-9.8pp | 172.34%-162.6pp |
| Employer contribution / active EE | $7,549 | $4,905+53.9% | $4,698+60.7% | $4,379+72.4% |
| Participant deferral / active EE | $4,376 | $6,859-36.2% | $6,619-33.9% | $6,730-35.0% |
| Admin fee / account holder | $20,382 | $9,627+111.7% | $8,973+127.2% | $14,365+41.9% |