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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 | $57,590+79.3% | $86,233+19.8% | $82,448+25.3% |
| Participation rate | 85.4% | 57.9%+27.5pp | 69.0%+16.3pp | 68.1%+17.3pp |
| Annual return | 9.59% | 22.41%-12.8pp | 61.39%-51.8pp | 41.64%-32.1pp |
| Employer contribution / active EE | $4,690 | $1,655+183.4% | $2,504+87.3% | $2,551+83.9% |
| Participant deferral / active EE | $2,117 | $3,080-31.3% | $4,559-53.6% | $4,139-48.9% |
| Admin fee / account holder | $3,836 | $4,730-18.9% | $8,342-54.0% | $7,234-47.0% |