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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 | $108,643 | $81,504+33.3% | $102,437+6.1% | $80,959+34.2% |
| Participation rate | 95.1% | 66.9%+28.3pp | 74.5%+20.6pp | 67.7%+27.5pp |
| Annual return | 9.36% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $4,350 | $3,104+40.2% | $3,871+12.4% | $2,757+57.8% |
| Participant deferral / active EE | $8,060 | $3,871+108.2% | $5,060+59.3% | $4,300+87.4% |
| Admin fee / account holder | $2,145 | $6,719-68.1% | $8,388-74.4% | $6,925-69.0% |