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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 | $129,428 | $57,119+126.6% | $85,187+51.9% | $80,935+59.9% |
| Participation rate | 90.3% | 56.4%+33.9pp | 67.5%+22.8pp | 67.7%+22.7pp |
| Annual return | 10.53% | 21.70%-11.2pp | 66.67%-56.1pp | 35.66%-25.1pp |
| Employer contribution / active EE | $3,630 | $1,802+101.5% | $2,732+32.8% | $2,757+31.7% |
| Participant deferral / active EE | $6,019 | $3,115+93.2% | $4,525+33.0% | $4,299+40.0% |
| Admin fee / account holder | $2,461 | $4,990-50.7% | $6,162-60.1% | $6,924-64.5% |