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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 | $152,394 | $86,940+75.3% | $102,434+48.8% | $80,935+88.3% |
| Participation rate | 94.7% | 72.4%+22.3pp | 76.5%+18.2pp | 67.7%+27.1pp |
| Annual return | 7.82% | 18.89%-11.1pp | 29.46%-21.6pp | 35.66%-27.8pp |
| Employer contribution / active EE | $10,526 | $2,370+344.2% | $3,023+248.2% | $2,757+281.8% |
| Participant deferral / active EE | $3,100 | $4,121-24.8% | $5,055-38.7% | $4,299-27.9% |
| Admin fee / account holder | $765 | $8,047-90.5% | $9,462-91.9% | $6,924-88.9% |