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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 | $103,149 | $86,940+18.6% | $102,434+0.7% | $80,935+27.4% |
| Participation rate | 95.6% | 72.4%+23.2pp | 76.5%+19.0pp | 67.7%+27.9pp |
| Annual return | 7.28% | 18.89%-11.6pp | 29.46%-22.2pp | 35.66%-28.4pp |
| Employer contribution / active EE | $3,816 | $2,370+61.0% | $3,023+26.2% | $2,757+38.4% |
| Participant deferral / active EE | $5,361 | $4,121+30.1% | $5,055+6.1% | $4,299+24.7% |
| Admin fee / account holder | $3,404 | $8,047-57.7% | $9,462-64.0% | $6,924-50.8% |