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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 | $72,353 | $63,365+14.2% | $91,994-21.4% | $72,975-0.9% |
| Participation rate | 97.1% | 72.5%+24.6pp | 78.6%+18.5pp | 69.5%+27.7pp |
| Annual return | 18.18% | 35.35%-17.2pp | 69.04%-50.9pp | 81.01%-62.8pp |
| Employer contribution / active EE | $6,239 | $2,116+194.9% | $3,453+80.7% | $2,440+155.7% |
| Participant deferral / active EE | $6,557 | $4,883+34.3% | $5,924+10.7% | $3,608+81.7% |
| Admin fee / account holder | $2,224 | $4,670-52.4% | $7,744-71.3% | $5,124-56.6% |