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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 | $86,751 | $73,940+17.3% | $96,496-10.1% | $75,173+15.4% |
| Participation rate | 93.2% | 66.4%+26.8pp | 74.3%+18.8pp | 67.2%+26.0pp |
| Annual return | 12.43% | 26.71%-14.3pp | 35.70%-23.3pp | 160.65%-148.2pp |
| Employer contribution / active EE | $6,706 | $2,929+128.9% | $3,738+79.4% | $2,670+151.1% |
| Participant deferral / active EE | $9,366 | $3,659+156.0% | $4,879+92.0% | $4,126+127.0% |
| Admin fee / account holder | $675 | $5,216-87.1% | $6,731-90.0% | $5,651-88.0% |