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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 | $177,882 | $100,970+76.2% | $96,576+84.2% | $137,256+29.6% |
| Participation rate | 84.6% | 82.6%+2.0pp | 81.4%+3.2pp | 80.0%+4.7pp |
| Annual return | 11.20% | 38.16%-27.0pp | 38.47%-27.3pp | 220.34%-209.1pp |
| Employer contribution / active EE | $1,518 | $3,809-60.2% | $3,553-57.3% | $4,156-63.5% |
| Participant deferral / active EE | $6,168 | $8,286-25.6% | $7,956-22.5% | $6,407-3.7% |
| Admin fee / account holder | $959 | $11,312-91.5% | $11,381-91.6% | $12,270-92.2% |