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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 | $91,182 | $76,551+19.1% | $123,894-26.4% | $62,881+45.0% |
| Participation rate | 93.8% | 73.0%+20.8pp | 81.4%+12.3pp | 69.3%+24.4pp |
| Annual return | 4.56% | 18.68%-14.1pp | 47.52%-43.0pp | 20.14%-15.6pp |
| Employer contribution / active EE | $6,061 | $2,882+110.3% | $4,617+31.3% | $2,281+165.7% |
| Participant deferral / active EE | $5,379 | $4,840+11.2% | $5,984-10.1% | $3,203+68.0% |
| Admin fee / account holder | $14,459 | $4,826+199.6% | $8,357+73.0% | $4,296+236.6% |