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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 | $105,022 | $69,977+50.1% | $108,582-3.3% | $62,881+67.0% |
| Participation rate | 89.2% | 72.9%+16.3pp | 79.6%+9.6pp | 69.3%+19.9pp |
| Annual return | 4.60% | 10.73%-6.1pp | -51.70%+56.3pp | 20.14%-15.5pp |
| Employer contribution / active EE | $3,026 | $2,135+41.7% | $3,758-19.5% | $2,281+32.7% |
| Participant deferral / active EE | $5,722 | $3,165+80.8% | $4,311+32.7% | $3,203+78.7% |
| Admin fee / account holder | $754 | $5,076-85.1% | $7,645-90.1% | $4,296-82.4% |