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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 | $77,460+39.9% | $100,378+7.9% | $80,925+33.9% |
| Participation rate | 77.6% | 76.9%+0.6pp | 81.5%-3.9pp | 67.7%+9.9pp |
| Annual return | 11.15% | 37.24%-26.1pp | 49.41%-38.3pp | 35.65%-24.5pp |
| Employer contribution / active EE | $3,589 | $2,801+28.1% | $3,942-9.0% | $2,756+30.2% |
| Participant deferral / active EE | $8,474 | $6,818+24.3% | $8,087+4.8% | $4,299+97.1% |
| Admin fee / account holder | $38,498 | $5,887+554.0% | $7,899+387.4% | $6,940+454.7% |