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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 | $117,025 | $93,598+25.0% | $135,974-13.9% | $75,173+55.7% |
| Participation rate | 97.3% | 75.2%+22.1pp | 81.9%+15.4pp | 67.2%+30.1pp |
| Annual return | 11.63% | 30.89%-19.3pp | 68.30%-56.7pp | 160.72%-149.1pp |
| Employer contribution / active EE | $2,094 | $3,538-40.8% | $4,859-56.9% | $2,671-21.6% |
| Participant deferral / active EE | $2,988 | $6,405-53.3% | $7,760-61.5% | $4,126-27.6% |
| Admin fee / account holder | $7,608 | $6,978+9.0% | $10,767-29.3% | $5,651+34.6% |