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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 | $149,099 | $115,225+29.4% | $100,712+48.0% | $138,895+7.3% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.3%+30.7pp | 79.9%+20.1pp |
| Annual return | 7.97% | 40.35%-32.4pp | 33.27%-25.3pp | 145.39%-137.4pp |
| Employer contribution / active EE | $2,757 | $2,771-0.5% | $2,313+19.2% | $4,194-34.3% |
| Participant deferral / active EE | $8,130 | $4,699+73.0% | $4,085+99.0% | $6,396+27.1% |
| Admin fee / account holder | $14,706 | $10,844+35.6% | $9,256+58.9% | $12,562+17.1% |