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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 | $103,904 | $108,825-4.5% | $156,181-33.5% | $82,448+26.0% |
| Participation rate | 95.8% | 72.4%+23.5pp | 78.8%+17.0pp | 68.1%+27.8pp |
| Annual return | 11.29% | 20.59%-9.3pp | 64.87%-53.6pp | 41.64%-30.3pp |
| Employer contribution / active EE | $4,073 | $2,870+41.9% | $4,294-5.1% | $2,551+59.7% |
| Participant deferral / active EE | $4,817 | $4,577+5.2% | $6,132-21.5% | $4,139+16.4% |
| Admin fee / account holder | $11,304 | $9,341+21.0% | $14,586-22.5% | $7,234+56.3% |