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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 | $97,523 | $77,492+25.9% | $100,398-2.9% | $80,911+20.5% |
| Participation rate | 74.5% | 76.9%-2.4pp | 81.5%-7.0pp | 67.6%+6.9pp |
| Annual return | 8.20% | 37.23%-29.0pp | 49.32%-41.1pp | 35.63%-27.4pp |
| Employer contribution / active EE | $3,816 | $2,800+36.3% | $3,946-3.3% | $2,756+38.5% |
| Participant deferral / active EE | $7,708 | $6,817+13.1% | $8,084-4.7% | $4,297+79.4% |
| Admin fee / account holder | $3,147 | $5,892-46.6% | $7,893-60.1% | $6,935-54.6% |