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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 | $81,457+39.9% | $103,378+10.2% | $80,911+40.9% |
| Participation rate | 78.9% | 66.8%+12.1pp | 74.5%+4.4pp | 67.6%+11.3pp |
| Annual return | 9.97% | 25.58%-15.6pp | 24.91%-14.9pp | 35.63%-25.7pp |
| Employer contribution / active EE | $6,638 | $3,107+113.6% | $3,870+71.5% | $2,756+140.9% |
| Participant deferral / active EE | $6,464 | $3,871+67.0% | $5,058+27.8% | $4,297+50.4% |
| Admin fee / account holder | $6,911 | $6,717+2.9% | $8,401-17.7% | $6,935-0.3% |