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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 | $175,550 | $86,949+101.9% | $102,460+71.3% | $80,959+116.8% |
| Participation rate | 71.9% | 72.4%-0.5pp | 76.5%-4.6pp | 67.7%+4.2pp |
| Annual return | 8.28% | 18.89%-10.6pp | 29.47%-21.2pp | 35.67%-27.4pp |
| Employer contribution / active EE | $2,592 | $2,370+9.4% | $3,025-14.3% | $2,757-6.0% |
| Participant deferral / active EE | $5,854 | $4,121+42.0% | $5,056+15.8% | $4,300+36.1% |
| Admin fee / account holder | $23,343 | $8,048+190.1% | $9,460+146.8% | $6,925+237.1% |