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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 | $120,025 | $80,983+48.2% | $96,544+24.3% | $75,177+59.7% |
| Participation rate | 80.6% | 71.8%+8.9pp | 76.0%+4.7pp | 67.2%+13.4pp |
| Annual return | 5.90% | 27.05%-21.1pp | 25.88%-20.0pp | 160.75%-154.8pp |
| Employer contribution / active EE | $3,245 | $2,282+42.2% | $2,966+9.4% | $2,671+21.5% |
| Participant deferral / active EE | $6,876 | $3,929+75.0% | $4,851+41.7% | $4,126+66.6% |
| Admin fee / account holder | $7,231 | $6,717+7.7% | $8,254-12.4% | $5,651+28.0% |