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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 | $123,644 | $81,331+52.0% | $155,534-20.5% | $80,935+52.8% |
| Participation rate | 95.2% | 66.3%+29.0pp | 78.2%+17.0pp | 67.7%+27.6pp |
| Annual return | 9.61% | 33.37%-23.8pp | 64.92%-55.3pp | 35.66%-26.0pp |
| Employer contribution / active EE | $2,576 | $3,105-17.0% | $4,675-44.9% | $2,757-6.6% |
| Participant deferral / active EE | $5,789 | $3,454+67.6% | $5,630+2.8% | $4,299+34.6% |
| Admin fee / account holder | $5,084 | $7,999-36.4% | $15,900-68.0% | $6,924-26.6% |