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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 | $116,188 | $81,487+42.6% | $102,412+13.5% | $80,935+43.6% |
| Participation rate | 71.4% | 66.8%+4.6pp | 74.5%-3.1pp | 67.7%+3.8pp |
| Annual return | 5.85% | 25.60%-19.7pp | 24.94%-19.1pp | 35.66%-29.8pp |
| Employer contribution / active EE | $811 | $3,103-73.9% | $3,870-79.1% | $2,757-70.6% |
| Participant deferral / active EE | $6,950 | $3,871+79.6% | $5,060+37.4% | $4,299+61.7% |
| Admin fee / account holder | $4,344 | $6,717-35.3% | $8,388-48.2% | $6,924-37.3% |