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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 | $54,633 | $81,331-32.8% | $155,534-64.9% | $80,935-32.5% |
| Participation rate | 81.8% | 66.3%+15.6pp | 78.2%+3.6pp | 67.7%+14.2pp |
| Annual return | 9.72% | 33.37%-23.6pp | 64.92%-55.2pp | 35.66%-25.9pp |
| Employer contribution / active EE | $3,143 | $3,105+1.2% | $4,675-32.8% | $2,757+14.0% |
| Participant deferral / active EE | $4,835 | $3,454+40.0% | $5,630-14.1% | $4,299+12.5% |
| Admin fee / account holder | $6,372 | $7,999-20.3% | $15,900-59.9% | $6,924-8.0% |