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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 | $59,461 | $93,055-36.1% | $153,643-61.3% | $80,935-26.5% |
| Participation rate | 81.8% | 69.0%+12.8pp | 77.1%+4.7pp | 67.7%+14.2pp |
| Annual return | 9.71% | 19.97%-10.3pp | 15.71%-6.0pp | 35.66%-26.0pp |
| Employer contribution / active EE | $3,987 | $3,504+13.8% | $5,039-20.9% | $2,757+44.6% |
| Participant deferral / active EE | $11,425 | $5,172+120.9% | $6,754+69.2% | $4,299+165.7% |
| Admin fee / account holder | $8,252 | $8,881-7.1% | $12,739-35.2% | $6,924+19.2% |