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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 | $103,276 | $58,057+77.9% | $97,032+6.4% | $86,983+18.7% |
| Participation rate | 85.4% | 60.4%+25.0pp | 71.6%+13.8pp | 69.5%+15.8pp |
| Annual return | 9.59% | 22.26%-12.7pp | 35.38%-25.8pp | 25.83%-16.2pp |
| Employer contribution / active EE | $4,690 | $1,663+182.0% | $2,629+78.4% | $2,584+81.5% |
| Participant deferral / active EE | $2,117 | $3,244-34.7% | $4,672-54.7% | $4,194-49.5% |
| Admin fee / account holder | $3,836 | $4,839-20.7% | $9,418-59.3% | $7,856-51.2% |