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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 | $69,730 | $64,010+8.9% | $108,359-35.6% | $64,340+8.4% |
| Participation rate | 94.2% | 49.4%+44.8pp | 70.1%+24.0pp | 55.2%+38.9pp |
| Annual return | 10.74% | 19.74%-9.0pp | 36.89%-26.2pp | 24.14%-13.4pp |
| Employer contribution / active EE | $3,077 | $1,029+199.1% | $2,399+28.2% | $1,862+65.3% |
| Participant deferral / active EE | $1,455 | $2,395-39.3% | $4,137-64.8% | $2,980-51.2% |
| Admin fee / account holder | $3,900 | $4,885-20.2% | $9,741-60.0% | $3,703+5.3% |