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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 | $86,374 | $63,365+36.3% | $91,994-6.1% | $72,976+18.4% |
| Participation rate | 94.7% | 72.5%+22.2pp | 78.6%+16.1pp | 69.5%+25.2pp |
| Annual return | 19.30% | 35.35%-16.0pp | 69.04%-49.7pp | 81.02%-61.7pp |
| Employer contribution / active EE | $2,034 | $2,116-3.9% | $3,453-41.1% | $2,440-16.7% |
| Participant deferral / active EE | $3,911 | $4,883-19.9% | $5,924-34.0% | $3,608+8.4% |
| Admin fee / account holder | $7,380 | $4,670+58.0% | $7,744-4.7% | $5,124+44.0% |