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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 | $107,373 | $87,106+23.3% | $105,607+1.7% | $80,935+32.7% |
| Participation rate | 94.3% | 70.4%+23.8pp | 75.3%+19.0pp | 67.7%+26.6pp |
| Annual return | 8.95% | 17.01%-8.1pp | 116.11%-107.2pp | 35.66%-26.7pp |
| Employer contribution / active EE | $5,707 | $2,396+138.2% | $3,167+80.2% | $2,757+107.0% |
| Participant deferral / active EE | $5,514 | $3,986+38.3% | $5,011+10.0% | $4,299+28.2% |
| Admin fee / account holder | $9,797 | $8,447+16.0% | $10,958-10.6% | $6,924+41.5% |