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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 | $58,237 | $106,749-45.4% | $145,433-60.0% | $82,448-29.4% |
| Participation rate | 95.8% | 75.6%+20.2pp | 82.1%+13.7pp | 68.1%+27.8pp |
| Annual return | 10.63% | 27.59%-17.0pp | 66.58%-55.9pp | 41.64%-31.0pp |
| Employer contribution / active EE | $5,017 | $3,444+45.7% | $4,554+10.2% | $2,551+96.7% |
| Participant deferral / active EE | $8,688 | $6,519+33.3% | $7,897+10.0% | $4,139+109.9% |
| Admin fee / account holder | $7,765 | $8,390-7.5% | $13,129-40.9% | $7,234+7.3% |