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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 | $86,681 | $86,298+0.4% | $111,308-22.1% | $85,847+1.0% |
| Participation rate | 87.1% | 73.3%+13.8pp | 77.3%+9.8pp | 69.3%+17.8pp |
| Annual return | 5.99% | 19.99%-14.0pp | 54.67%-48.7pp | 318.61%-312.6pp |
| Employer contribution / active EE | $2,338 | $2,044+14.4% | $2,732-14.4% | $2,565-8.8% |
| Participant deferral / active EE | $3,901 | $3,641+7.2% | $4,487-13.1% | $3,952-1.3% |
| Admin fee / account holder | $7,154 | $8,189-12.6% | $7,965-10.2% | $6,261+14.3% |