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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 | $110,137-6.1% | $161,149-35.9% | $82,637+25.1% |
| Participation rate | 81.1% | 72.4%+8.7pp | 78.8%+2.2pp | 68.1%+13.0pp |
| Annual return | 10.93% | 20.69%-9.8pp | 21.16%-10.2pp | 53.51%-42.6pp |
| Employer contribution / active EE | $3,341 | $2,856+17.0% | $4,360-23.4% | $2,552+30.9% |
| Participant deferral / active EE | $3,188 | $4,575-30.3% | $6,153-48.2% | $4,126-22.7% |
| Admin fee / account holder | $1,871 | $9,467-80.2% | $15,194-87.7% | $7,339-74.5% |