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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 | $91,259 | $65,395+39.6% | $182,558-50.0% | $72,976+25.1% |
| Participation rate | 90.2% | 65.4%+24.8pp | 78.0%+12.3pp | 69.5%+20.8pp |
| Annual return | 16.13% | 27.68%-11.5pp | 148.59%-132.5pp | 81.02%-64.9pp |
| Employer contribution / active EE | $3,004 | $1,911+57.2% | $4,076-26.3% | $2,440+23.1% |
| Participant deferral / active EE | $6,088 | $3,563+70.9% | $5,526+10.2% | $3,608+68.8% |
| Admin fee / account holder | $5,678 | $4,245+33.8% | $8,594-33.9% | $5,124+10.8% |