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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 | $97,624 | $81,504+19.8% | $102,437-4.7% | $80,959+20.6% |
| Participation rate | 97.8% | 66.9%+31.0pp | 74.5%+23.3pp | 67.7%+30.2pp |
| Annual return | 8.27% | 25.60%-17.3pp | 24.95%-16.7pp | 35.67%-27.4pp |
| Employer contribution / active EE | $3,800 | $3,104+22.4% | $3,871-1.8% | $2,757+37.8% |
| Participant deferral / active EE | $7,819 | $3,871+102.0% | $5,060+54.5% | $4,300+81.8% |
| Admin fee / account holder | $8,803 | $6,719+31.0% | $8,388+4.9% | $6,925+27.1% |