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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 | $148,360 | $106,864+38.8% | $147,318+0.7% | $82,637+79.5% |
| Participation rate | 82.9% | 75.5%+7.4pp | 82.1%+0.8pp | 68.1%+14.8pp |
| Annual return | 13.39% | 27.49%-14.1pp | 70.43%-57.0pp | 53.51%-40.1pp |
| Employer contribution / active EE | $3,462 | $3,417+1.3% | $4,593-24.6% | $2,552+35.7% |
| Participant deferral / active EE | $7,482 | $6,496+15.2% | $7,906-5.4% | $4,126+81.3% |
| Admin fee / account holder | $9,110 | $8,415+8.3% | $13,708-33.5% | $7,339+24.1% |