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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 | $106,524+86.3% | $152,301+30.3% | $87,485+126.9% |
| Participation rate | 89.3% | 75.8%+13.5pp | 82.4%+6.8pp | 68.9%+20.4pp |
| Annual return | 12.95% | 26.89%-13.9pp | 80.50%-67.5pp | 26.06%-13.1pp |
| Employer contribution / active EE | $3,184 | $3,371-5.6% | $4,624-31.2% | $2,596+22.6% |
| Participant deferral / active EE | $6,070 | $6,525-7.0% | $8,004-24.2% | $4,274+42.0% |
| Admin fee / account holder | $7,710 | $8,287-7.0% | $14,398-46.5% | $7,775-0.8% |