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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 | $168,531 | $124,425+35.4% | $112,040+50.4% | $137,256+22.8% |
| Participation rate | 80.0% | 79.3%+0.7pp | 76.5%+3.5pp | 80.0%0pp |
| Annual return | 9.81% | 24.72%-14.9pp | 24.52%-14.7pp | 220.34%-210.5pp |
| Employer contribution / active EE | $2,194 | $3,411-35.7% | $2,954-25.7% | $4,156-47.2% |
| Participant deferral / active EE | $5,436 | $5,718-4.9% | $5,098+6.6% | $6,407-15.2% |
| Admin fee / account holder | $1,330 | $15,207-91.3% | $12,098-89.0% | $12,270-89.2% |