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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 | $71,915 | $156,398-54.0% | $147,318-51.2% | $138,895-48.2% |
| Participation rate | 80.0% | 83.8%-3.8pp | 82.1%-2.1pp | 79.9%+0.1pp |
| Annual return | 11.40% | 78.75%-67.4pp | 70.43%-59.0pp | 145.39%-134.0pp |
| Employer contribution / active EE | $3,131 | $4,853-35.5% | $4,593-31.8% | $4,194-25.4% |
| Participant deferral / active EE | $6,214 | $8,237-24.6% | $7,906-21.4% | $6,396-2.9% |
| Admin fee / account holder | $12,603 | $14,976-15.8% | $13,708-8.1% | $12,562+0.3% |