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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 | $118,173 | $78,015+51.5% | $178,505-33.8% | $80,959+46.0% |
| Participation rate | 82.8% | 65.7%+17.1pp | 77.1%+5.6pp | 67.7%+15.1pp |
| Annual return | 9.31% | 18.10%-8.8pp | 27.16%-17.8pp | 35.67%-26.4pp |
| Employer contribution / active EE | $8,499 | $2,281+272.5% | $3,955+114.9% | $2,757+208.3% |
| Participant deferral / active EE | $6,974 | $4,406+58.3% | $6,280+11.0% | $4,300+62.2% |
| Admin fee / account holder | $14,828 | $7,160+107.1% | $10,428+42.2% | $6,925+114.1% |