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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 | $158,109 | $106,749+48.1% | $145,433+8.7% | $82,448+91.8% |
| Participation rate | 83.3% | 75.6%+7.7pp | 82.1%+1.2pp | 68.1%+15.3pp |
| Annual return | 13.10% | 27.59%-14.5pp | 66.58%-53.5pp | 41.64%-28.5pp |
| Employer contribution / active EE | $5,253 | $3,444+52.5% | $4,554+15.3% | $2,551+105.9% |
| Participant deferral / active EE | $4,358 | $6,519-33.1% | $7,897-44.8% | $4,139+5.3% |
| Admin fee / account holder | $1,553 | $8,390-81.5% | $13,129-88.2% | $7,234-78.5% |