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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 | $85,728 | $64,359+33.2% | $90,161-4.9% | $70,126+22.2% |
| Participation rate | 87.9% | 70.4%+17.4pp | 76.9%+11.0pp | 69.5%+18.3pp |
| Annual return | 13.37% | 28.13%-14.8pp | 34.89%-21.5pp | 73.15%-59.8pp |
| Employer contribution / active EE | $2,746 | $2,046+34.2% | $3,318-17.2% | $2,343+17.2% |
| Participant deferral / active EE | $5,597 | $4,389+27.5% | $5,287+5.9% | $3,332+68.0% |
| Admin fee / account holder | $368 | $3,945-90.7% | $5,943-93.8% | $4,645-92.1% |