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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 | $105,092 | $78,682+33.6% | $109,188-3.8% | $85,851+22.4% |
| Participation rate | 85.5% | 68.3%+17.2pp | 75.9%+9.6pp | 69.3%+16.1pp |
| Annual return | 11.09% | 25.09%-14.0pp | 25.76%-14.7pp | 318.63%-307.5pp |
| Employer contribution / active EE | $5,887 | $2,734+115.3% | $3,723+58.1% | $2,565+129.5% |
| Participant deferral / active EE | $3,847 | $3,468+11.0% | $4,654-17.3% | $3,952-2.7% |
| Admin fee / account holder | $2,246 | $5,470-58.9% | $6,755-66.8% | $6,261-64.1% |