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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 | $76,786 | $58,627+31.0% | $76,735+0.1% | $82,448-6.9% |
| Participation rate | 93.1% | 63.2%+29.9pp | 69.5%+23.6pp | 68.1%+25.0pp |
| Annual return | 12.79% | 39.10%-26.3pp | 29.77%-17.0pp | 41.64%-28.8pp |
| Employer contribution / active EE | $2,026 | $1,729+17.2% | $2,454-17.4% | $2,551-20.6% |
| Participant deferral / active EE | $3,666 | $3,134+17.0% | $4,088-10.3% | $4,139-11.4% |
| Admin fee / account holder | $15,267 | $5,323+186.8% | $7,189+112.4% | $7,234+111.0% |