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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 | $73,259 | $89,515-18.2% | $103,486-29.2% | $80,935-9.5% |
| Participation rate | 97.3% | 76.0%+21.3pp | 80.5%+16.7pp | 67.7%+29.6pp |
| Annual return | 9.13% | 22.82%-13.7pp | 23.93%-14.8pp | 35.66%-26.5pp |
| Employer contribution / active EE | $6,048 | $4,015+50.6% | $4,679+29.2% | $2,757+119.4% |
| Participant deferral / active EE | $4,120 | $5,463-24.6% | $6,628-37.8% | $4,299-4.2% |
| Admin fee / account holder | $7,632 | $6,527+16.9% | $9,354-18.4% | $6,924+10.2% |