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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 | $97,980 | $74,535+31.5% | $100,712-2.7% | $82,637+18.6% |
| Participation rate | 85.2% | 61.2%+24.0pp | 69.3%+15.9pp | 68.1%+17.1pp |
| Annual return | 2.06% | 18.92%-16.9pp | 33.27%-31.2pp | 53.51%-51.4pp |
| Employer contribution / active EE | $2,733 | $1,503+81.9% | $2,313+18.2% | $2,552+7.1% |
| Participant deferral / active EE | $5,702 | $3,074+85.5% | $4,085+39.6% | $4,126+38.2% |
| Admin fee / account holder | $9,680 | $6,576+47.2% | $9,256+4.6% | $7,339+31.9% |