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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 | $141,154 | $74,535+89.4% | $100,712+40.2% | $82,637+70.8% |
| Participation rate | 96.4% | 61.2%+35.3pp | 69.3%+27.2pp | 68.1%+28.4pp |
| Annual return | 12.03% | 18.92%-6.9pp | 33.27%-21.2pp | 53.51%-41.5pp |
| Employer contribution / active EE | $3,233 | $1,503+115.1% | $2,313+39.8% | $2,552+26.7% |
| Participant deferral / active EE | $7,510 | $3,074+144.3% | $4,085+83.8% | $4,126+82.0% |
| Admin fee / account holder | $1,803 | $6,576-72.6% | $9,256-80.5% | $7,339-75.4% |