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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 | $60,498 | $81,487-25.8% | $102,412-40.9% | $80,935-25.3% |
| Participation rate | 89.5% | 66.8%+22.6pp | 74.5%+15.0pp | 67.7%+21.8pp |
| Annual return | 10.43% | 25.60%-15.2pp | 24.94%-14.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $10,912 | $3,103+251.7% | $3,870+182.0% | $2,757+295.9% |
| Participant deferral / active EE | $3,567 | $3,871-7.8% | $5,060-29.5% | $4,299-17.0% |
| Admin fee / account holder | $21,917 | $6,717+226.3% | $8,388+161.3% | $6,924+216.5% |