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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 | $112,146 | $80,983+38.5% | $96,544+16.2% | $75,177+49.2% |
| Participation rate | 92.6% | 71.8%+20.8pp | 76.0%+16.6pp | 67.2%+25.4pp |
| Annual return | 12.22% | 27.05%-14.8pp | 25.88%-13.7pp | 160.75%-148.5pp |
| Employer contribution / active EE | $2,227 | $2,282-2.4% | $2,966-24.9% | $2,671-16.6% |
| Participant deferral / active EE | $5,373 | $3,929+36.8% | $4,851+10.7% | $4,126+30.2% |
| Admin fee / account holder | $2,804 | $6,717-58.3% | $8,254-66.0% | $5,651-50.4% |