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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 | $92,178 | $101,798-9.4% | $165,071-44.2% | $80,935+13.9% |
| Participation rate | 94.1% | 71.8%+22.3pp | 78.6%+15.5pp | 67.7%+26.5pp |
| Annual return | 7.76% | 16.73%-9.0pp | 70.17%-62.4pp | 35.66%-27.9pp |
| Employer contribution / active EE | $3,701 | $2,954+25.3% | $4,347-14.9% | $2,757+34.2% |
| Participant deferral / active EE | $3,666 | $4,476-18.1% | $6,035-39.3% | $4,299-14.7% |
| Admin fee / account holder | $2,146 | $8,221-73.9% | $12,695-83.1% | $6,924-69.0% |