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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 | $128,777 | $77,962+65.2% | $178,540-27.9% | $80,935+59.1% |
| Participation rate | 82.9% | 65.7%+17.3pp | 77.1%+5.8pp | 67.7%+15.3pp |
| Annual return | 10.52% | 18.10%-7.6pp | 27.15%-16.6pp | 35.66%-25.1pp |
| Employer contribution / active EE | $2,249 | $2,280-1.4% | $3,953-43.1% | $2,757-18.4% |
| Participant deferral / active EE | $5,570 | $4,404+26.5% | $6,281-11.3% | $4,299+29.5% |
| Admin fee / account holder | $4,736 | $7,156-33.8% | $10,424-54.6% | $6,924-31.6% |