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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 | $136,642 | $95,453+43.2% | $112,040+22.0% | $82,448+65.7% |
| Participation rate | 87.5% | 72.8%+14.7pp | 76.5%+11.0pp | 68.1%+19.4pp |
| Annual return | 9.74% | 23.92%-14.2pp | 24.52%-14.8pp | 41.64%-31.9pp |
| Employer contribution / active EE | $1,182 | $2,318-49.0% | $2,954-60.0% | $2,551-53.7% |
| Participant deferral / active EE | $9,074 | $4,224+114.8% | $5,098+78.0% | $4,139+119.2% |
| Admin fee / account holder | $1,841 | $9,013-79.6% | $12,098-84.8% | $7,234-74.6% |