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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 | $114,712-9.4% | $173,730-40.2% | $87,485+18.8% |
| Participation rate | 95.8% | 73.0%+22.8pp | 79.6%+16.3pp | 68.9%+26.9pp |
| Annual return | 11.29% | 20.18%-8.9pp | 19.96%-8.7pp | 26.06%-14.8pp |
| Employer contribution / active EE | $4,073 | $2,904+40.2% | $4,577-11.0% | $2,596+56.9% |
| Participant deferral / active EE | $4,817 | $4,642+3.8% | $6,326-23.9% | $4,274+12.7% |
| Admin fee / account holder | $11,304 | $10,210+10.7% | $17,523-35.5% | $7,775+45.4% |