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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 | $67,440 | $93,598-27.9% | $135,974-50.4% | $75,173-10.3% |
| Participation rate | 87.2% | 75.2%+12.0pp | 81.9%+5.3pp | 67.2%+20.0pp |
| Annual return | 15.02% | 30.89%-15.9pp | 68.30%-53.3pp | 160.72%-145.7pp |
| Employer contribution / active EE | $6,748 | $3,538+90.7% | $4,859+38.9% | $2,671+152.6% |
| Participant deferral / active EE | $4,399 | $6,405-31.3% | $7,760-43.3% | $4,126+6.6% |
| Admin fee / account holder | $946 | $6,978-86.4% | $10,767-91.2% | $5,651-83.3% |