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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 | $99,238 | $76,551+29.6% | $123,894-19.9% | $62,881+57.8% |
| Participation rate | 97.1% | 73.0%+24.2pp | 81.4%+15.7pp | 69.3%+27.8pp |
| Annual return | 4.34% | 18.68%-14.3pp | 47.52%-43.2pp | 20.14%-15.8pp |
| Employer contribution / active EE | $6,205 | $2,882+115.3% | $4,617+34.4% | $2,281+172.0% |
| Participant deferral / active EE | $4,048 | $4,840-16.4% | $5,984-32.4% | $3,203+26.4% |
| Admin fee / account holder | $16,801 | $4,826+248.1% | $8,357+101.0% | $4,296+291.1% |