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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 | $127,227 | $101,798+25.0% | $165,071-22.9% | $80,935+57.2% |
| Participation rate | 82.9% | 71.8%+11.0pp | 78.6%+4.2pp | 67.7%+15.2pp |
| Annual return | 9.52% | 16.73%-7.2pp | 70.17%-60.7pp | 35.66%-26.1pp |
| Employer contribution / active EE | $2,771 | $2,954-6.2% | $4,347-36.3% | $2,757+0.5% |
| Participant deferral / active EE | $7,575 | $4,476+69.2% | $6,035+25.5% | $4,299+76.2% |
| Admin fee / account holder | $5,500 | $8,221-33.1% | $12,695-56.7% | $6,924-20.6% |