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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 | $172,380 | $106,864+61.3% | $147,318+17.0% | $82,637+108.6% |
| Participation rate | 74.1% | 75.5%-1.4pp | 82.1%-8.0pp | 68.1%+6.0pp |
| Annual return | 13.29% | 27.49%-14.2pp | 70.43%-57.1pp | 53.51%-40.2pp |
| Employer contribution / active EE | $1,670 | $3,417-51.1% | $4,593-63.6% | $2,552-34.6% |
| Participant deferral / active EE | $5,119 | $6,496-21.2% | $7,906-35.3% | $4,126+24.1% |
| Admin fee / account holder | $23,103 | $8,415+174.5% | $13,708+68.5% | $7,339+214.8% |