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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 | $73,484 | $93,598-21.5% | $135,974-46.0% | $75,173-2.2% |
| Participation rate | 91.5% | 75.2%+16.4pp | 81.9%+9.6pp | 67.2%+24.3pp |
| Annual return | 14.32% | 30.89%-16.6pp | 68.30%-54.0pp | 160.72%-146.4pp |
| Employer contribution / active EE | $1,968 | $3,538-44.4% | $4,859-59.5% | $2,671-26.3% |
| Participant deferral / active EE | $7,071 | $6,405+10.4% | $7,760-8.9% | $4,126+71.4% |
| Admin fee / account holder | $4,952 | $6,978-29.0% | $10,767-54.0% | $5,651-12.4% |