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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 | $103,376 | $108,825-5.0% | $156,181-33.8% | $82,448+25.4% |
| Participation rate | 81.1% | 72.4%+8.7pp | 78.8%+2.3pp | 68.1%+13.0pp |
| Annual return | 10.93% | 20.59%-9.7pp | 64.87%-53.9pp | 41.64%-30.7pp |
| Employer contribution / active EE | $3,341 | $2,870+16.4% | $4,294-22.2% | $2,551+31.0% |
| Participant deferral / active EE | $3,188 | $4,577-30.4% | $6,132-48.0% | $4,139-23.0% |
| Admin fee / account holder | $1,871 | $9,341-80.0% | $14,586-87.2% | $7,234-74.1% |