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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 | $90,347 | $73,988+22.1% | $96,538-6.4% | $75,177+20.2% |
| Participation rate | 96.0% | 66.4%+29.6pp | 74.3%+21.7pp | 67.2%+28.8pp |
| Annual return | 13.01% | 26.73%-13.7pp | 35.74%-22.7pp | 160.75%-147.7pp |
| Employer contribution / active EE | $2,432 | $2,930-17.0% | $3,740-35.0% | $2,671-9.0% |
| Participant deferral / active EE | $3,745 | $3,660+2.3% | $4,880-23.3% | $4,126-9.2% |
| Admin fee / account holder | $4,407 | $5,220-15.6% | $6,737-34.6% | $5,651-22.0% |