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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 | $75,479 | $87,132-13.4% | $105,624-28.5% | $80,959-6.8% |
| Participation rate | 92.9% | 70.4%+22.4pp | 75.3%+17.6pp | 67.7%+25.2pp |
| Annual return | 9.46% | 17.03%-7.6pp | 116.20%-106.7pp | 35.67%-26.2pp |
| Employer contribution / active EE | $2,806 | $2,397+17.1% | $3,168-11.4% | $2,757+1.8% |
| Participant deferral / active EE | $6,462 | $3,985+62.1% | $5,013+28.9% | $4,300+50.3% |
| Admin fee / account holder | $1,528 | $8,449-81.9% | $10,961-86.1% | $6,925-77.9% |