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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 | $76,809 | $45,041+70.5% | $63,003+21.9% | $70,131+9.5% |
| Participation rate | 97.4% | 69.5%+27.9pp | 74.8%+22.6pp | 69.5%+27.9pp |
| Annual return | 9.35% | 18.76%-9.4pp | 87.59%-78.2pp | 73.14%-63.8pp |
| Employer contribution / active EE | $2,402 | $2,052+17.1% | $2,760-13.0% | $2,342+2.5% |
| Participant deferral / active EE | $3,090 | $2,465+25.3% | $3,329-7.2% | $3,332-7.3% |
| Admin fee / account holder | $2,543 | $2,836-10.3% | $3,600-29.4% | $4,645-45.3% |