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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 | $156,142 | $80,992+92.8% | $96,534+61.7% | $75,173+107.7% |
| Participation rate | 70.3% | 71.8%-1.5pp | 76.0%-5.7pp | 67.2%+3.1pp |
| Annual return | 7.50% | 27.05%-19.6pp | 25.88%-18.4pp | 160.72%-153.2pp |
| Employer contribution / active EE | $2,509 | $2,283+9.9% | $2,965-15.4% | $2,671-6.1% |
| Participant deferral / active EE | $5,135 | $3,929+30.7% | $4,851+5.8% | $4,126+24.4% |
| Admin fee / account holder | $13,112 | $6,717+95.2% | $8,253+58.9% | $5,651+132.0% |