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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 | $69,824 | $86,949-19.7% | $102,460-31.9% | $80,959-13.8% |
| Participation rate | 89.3% | 72.4%+16.9pp | 76.5%+12.8pp | 67.7%+21.6pp |
| Annual return | 8.83% | 18.89%-10.1pp | 29.47%-20.6pp | 35.67%-26.8pp |
| Employer contribution / active EE | $9,774 | $2,370+312.5% | $3,025+223.1% | $2,757+254.5% |
| Participant deferral / active EE | $5,489 | $4,121+33.2% | $5,056+8.6% | $4,300+27.6% |
| Admin fee / account holder | $3,374 | $8,048-58.1% | $9,460-64.3% | $6,925-51.3% |