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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 | $94,384 | $101,763-7.3% | $164,866-42.8% | $80,874+16.7% |
| Participation rate | 82.9% | 71.8%+11.0pp | 78.6%+4.3pp | 67.6%+15.2pp |
| Annual return | 10.14% | 16.73%-6.6pp | 69.97%-59.8pp | 35.62%-25.5pp |
| Employer contribution / active EE | $2,173 | $2,954-26.4% | $4,343-50.0% | $2,756-21.1% |
| Participant deferral / active EE | $4,762 | $4,477+6.4% | $6,033-21.1% | $4,297+10.8% |
| Admin fee / account holder | $1,960 | $8,228-76.2% | $12,689-84.6% | $6,935-71.7% |