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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 | $113,974 | $81,476+39.9% | $102,383+11.3% | $80,925+40.8% |
| Participation rate | 78.9% | 66.8%+12.1pp | 74.5%+4.4pp | 67.7%+11.3pp |
| Annual return | 9.97% | 25.59%-15.6pp | 24.94%-15.0pp | 35.65%-25.7pp |
| Employer contribution / active EE | $6,638 | $3,105+113.8% | $3,870+71.5% | $2,756+140.8% |
| Participant deferral / active EE | $6,464 | $3,871+67.0% | $5,060+27.8% | $4,299+50.4% |
| Admin fee / account holder | $6,911 | $6,717+2.9% | $8,391-17.6% | $6,940-0.4% |