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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 | $101,795-7.3% | $165,100-42.8% | $80,959+16.6% |
| Participation rate | 82.9% | 71.8%+11.0pp | 78.6%+4.2pp | 67.7%+15.2pp |
| Annual return | 10.14% | 16.73%-6.6pp | 70.21%-60.1pp | 35.67%-25.5pp |
| Employer contribution / active EE | $2,173 | $2,954-26.4% | $4,348-50.0% | $2,757-21.2% |
| Participant deferral / active EE | $4,762 | $4,476+6.4% | $6,035-21.1% | $4,300+10.7% |
| Admin fee / account holder | $1,960 | $8,221-76.2% | $12,696-84.6% | $6,925-71.7% |