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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 | $112,207 | $95,404+17.6% | $113,397-1.0% | $82,637+35.8% |
| Participation rate | 92.3% | 72.8%+19.5pp | 76.5%+15.8pp | 68.1%+24.3pp |
| Annual return | 7.56% | 19.08%-11.5pp | 23.20%-15.6pp | 53.51%-45.9pp |
| Employer contribution / active EE | $5,027 | $2,307+118.0% | $2,977+68.9% | $2,552+97.0% |
| Participant deferral / active EE | $2,792 | $4,220-33.8% | $5,076-45.0% | $4,126-32.3% |
| Admin fee / account holder | $40,849 | $9,168+345.6% | $11,957+241.6% | $7,339+456.6% |