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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 | $134,713 | $124,425+8.3% | $112,040+20.2% | $137,256-1.9% |
| Participation rate | 85.7% | 79.3%+6.4pp | 76.5%+9.2pp | 80.0%+5.8pp |
| Annual return | 7.12% | 24.72%-17.6pp | 24.52%-17.4pp | 220.34%-213.2pp |
| Employer contribution / active EE | $1,888 | $3,411-44.7% | $2,954-36.1% | $4,156-54.6% |
| Participant deferral / active EE | $3,003 | $5,718-47.5% | $5,098-41.1% | $6,407-53.1% |
| Admin fee / account holder | $1,700 | $15,207-88.8% | $12,098-85.9% | $12,270-86.1% |