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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 | $97,557 | $65,367+49.2% | $92,915+5.0% | $72,976+33.7% |
| Participation rate | 86.5% | 68.3%+18.2pp | 76.0%+10.5pp | 69.5%+17.0pp |
| Annual return | 14.81% | 42.11%-27.3pp | 109.45%-94.6pp | 81.02%-66.2pp |
| Employer contribution / active EE | $2,184 | $2,594-15.8% | $3,653-40.2% | $2,440-10.5% |
| Participant deferral / active EE | $3,708 | $3,128+18.5% | $4,238-12.5% | $3,608+2.8% |
| Admin fee / account holder | $1,829 | $4,251-57.0% | $5,796-68.4% | $5,124-64.3% |