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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 | $81,457+81.4% | $103,378+43.0% | $80,911+82.7% |
| Participation rate | 76.7% | 66.8%+9.8pp | 74.5%+2.2pp | 67.6%+9.0pp |
| Annual return | 7.71% | 25.58%-17.9pp | 24.91%-17.2pp | 35.63%-27.9pp |
| Employer contribution / active EE | $7,797 | $3,107+150.9% | $3,870+101.4% | $2,756+182.9% |
| Participant deferral / active EE | $4,318 | $3,871+11.5% | $5,058-14.6% | $4,297+0.5% |
| Admin fee / account holder | $7,621 | $6,717+13.5% | $8,401-9.3% | $6,935+9.9% |