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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 | $182,055 | $115,225+58.0% | $100,712+80.8% | $138,895+31.1% |
| Participation rate | 84.6% | 74.3%+10.3pp | 69.3%+15.3pp | 79.9%+4.7pp |
| Annual return | 8.81% | 40.35%-31.5pp | 33.27%-24.5pp | 145.39%-136.6pp |
| Employer contribution / active EE | $1,677 | $2,771-39.5% | $2,313-27.5% | $4,194-60.0% |
| Participant deferral / active EE | $7,069 | $4,699+50.4% | $4,085+73.1% | $6,396+10.5% |
| Admin fee / account holder | $2,869 | $10,844-73.5% | $9,256-69.0% | $12,562-77.2% |