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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 | $108,357 | $77,472+39.9% | $100,415+7.9% | $80,959+33.8% |
| Participation rate | 77.6% | 76.9%+0.6pp | 81.5%-3.9pp | 67.7%+9.9pp |
| Annual return | 11.15% | 37.26%-26.1pp | 49.47%-38.3pp | 35.67%-24.5pp |
| Employer contribution / active EE | $3,589 | $2,800+28.2% | $3,943-9.0% | $2,757+30.2% |
| Participant deferral / active EE | $8,474 | $6,818+24.3% | $8,091+4.7% | $4,300+97.1% |
| Admin fee / account holder | $38,498 | $5,885+554.2% | $7,906+387.0% | $6,925+455.9% |