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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 | $147,798 | $81,504+81.3% | $102,437+44.3% | $80,959+82.6% |
| Participation rate | 76.7% | 66.9%+9.8pp | 74.5%+2.2pp | 67.7%+9.0pp |
| Annual return | 7.71% | 25.60%-17.9pp | 24.95%-17.2pp | 35.67%-28.0pp |
| Employer contribution / active EE | $7,797 | $3,104+151.2% | $3,871+101.4% | $2,757+182.8% |
| Participant deferral / active EE | $4,318 | $3,871+11.5% | $5,060-14.7% | $4,300+0.4% |
| Admin fee / account holder | $7,621 | $6,719+13.4% | $8,388-9.1% | $6,925+10.0% |