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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 | $67,652 | $83,485-19.0% | $125,195-46.0% | $72,976-7.3% |
| Participation rate | 97.1% | 73.3%+23.8pp | 79.8%+17.3pp | 69.5%+27.6pp |
| Annual return | 12.13% | 25.77%-13.6pp | 43.79%-31.7pp | 81.02%-68.9pp |
| Employer contribution / active EE | $2,963 | $2,346+26.3% | $3,866-23.4% | $2,440+21.4% |
| Participant deferral / active EE | $4,061 | $3,586+13.2% | $4,937-17.7% | $3,608+12.6% |
| Admin fee / account holder | $16,773 | $5,518+204.0% | $9,704+72.8% | $5,124+227.3% |