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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 | $198,501 | $106,749+86.0% | $145,433+36.5% | $82,448+140.8% |
| Participation rate | 89.3% | 75.6%+13.6pp | 82.1%+7.2pp | 68.1%+21.2pp |
| Annual return | 12.95% | 27.59%-14.6pp | 66.58%-53.6pp | 41.64%-28.7pp |
| Employer contribution / active EE | $3,184 | $3,444-7.6% | $4,554-30.1% | $2,551+24.8% |
| Participant deferral / active EE | $6,070 | $6,519-6.9% | $7,897-23.1% | $4,139+46.6% |
| Admin fee / account holder | $7,710 | $8,390-8.1% | $13,129-41.3% | $7,234+6.6% |