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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 | $92,675 | $76,371+21.3% | $93,621-1.0% | $72,976+27.0% |
| Participation rate | 70.0% | 71.8%-1.8pp | 75.8%-5.8pp | 69.5%+0.5pp |
| Annual return | 16.16% | 25.82%-9.7pp | 32.76%-16.6pp | 81.02%-64.9pp |
| Employer contribution / active EE | $1,652 | $2,276-27.4% | $2,719-39.2% | $2,440-32.3% |
| Participant deferral / active EE | $5,296 | $3,538+49.7% | $4,070+30.1% | $3,608+46.8% |
| Admin fee / account holder | $6,853 | $6,839+0.2% | $7,890-13.1% | $5,124+33.7% |