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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 | $125,768 | $124,330+1.2% | $109,173+15.2% | $167,536-24.9% |
| Participation rate | 81.8% | 79.5%+2.4pp | 75.9%+5.9pp | 82.1%-0.3pp |
| Annual return | 4.05% | 26.04%-22.0pp | 25.75%-21.7pp | 478.82%-474.8pp |
| Employer contribution / active EE | $5,018 | $4,209+19.2% | $3,723+34.8% | $4,839+3.7% |
| Participant deferral / active EE | $10,059 | $5,256+91.4% | $4,654+116.1% | $6,342+58.6% |
| Admin fee / account holder | $6,129 | $7,974-23.1% | $6,755-9.3% | $12,315-50.2% |