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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 | $189,727 | $100,970+87.9% | $96,576+96.5% | $137,256+38.2% |
| Participation rate | 75.0% | 82.6%-7.6pp | 81.4%-6.4pp | 80.0%-5.0pp |
| Annual return | 12.08% | 38.16%-26.1pp | 38.47%-26.4pp | 220.34%-208.3pp |
| Employer contribution / active EE | $14,083 | $3,809+269.7% | $3,553+296.3% | $4,156+238.8% |
| Participant deferral / active EE | $23,021 | $8,286+177.8% | $7,956+189.3% | $6,407+259.3% |
| Admin fee / account holder | $905 | $11,312-92.0% | $11,381-92.1% | $12,270-92.6% |