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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 | $99,537 | $80,985+22.9% | $96,576+3.1% | $75,181+32.4% |
| Participation rate | 70.4% | 71.8%-1.4pp | 76.0%-5.6pp | 67.2%+3.2pp |
| Annual return | 12.38% | 27.05%-14.7pp | 25.87%-13.5pp | 160.69%-148.3pp |
| Employer contribution / active EE | $1,461 | $2,282-36.0% | $2,965-50.7% | $2,671-45.3% |
| Participant deferral / active EE | $3,197 | $3,929-18.6% | $4,851-34.1% | $4,126-22.5% |
| Admin fee / account holder | $2,915 | $6,719-56.6% | $8,253-64.7% | $5,650-48.4% |