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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 | $107,281 | $126,661-15.3% | $113,397-5.4% | $138,895-22.8% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.5%+3.5pp | 79.9%+0.1pp |
| Annual return | 8.03% | 25.05%-17.0pp | 23.20%-15.2pp | 145.39%-137.4pp |
| Employer contribution / active EE | $3,290 | $3,456-4.8% | $2,977+10.5% | $4,194-21.6% |
| Participant deferral / active EE | $7,222 | $5,693+26.9% | $5,076+42.3% | $6,396+12.9% |
| Admin fee / account holder | $8,783 | $14,549-39.6% | $11,957-26.5% | $12,562-30.1% |