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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 | $120,449 | $86,949+38.5% | $102,460+17.6% | $80,959+48.8% |
| Participation rate | 83.3% | 72.4%+10.9pp | 76.5%+6.8pp | 67.7%+15.7pp |
| Annual return | 6.51% | 18.89%-12.4pp | 29.47%-23.0pp | 35.67%-29.2pp |
| Employer contribution / active EE | $3,364 | $2,370+41.9% | $3,025+11.2% | $2,757+22.0% |
| Participant deferral / active EE | $7,565 | $4,121+83.6% | $5,056+49.6% | $4,300+75.9% |
| Admin fee / account holder | $17,099 | $8,048+112.5% | $9,460+80.7% | $6,925+146.9% |