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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 | $104,968 | $91,198+15.1% | $178,503-41.2% | $79,856+31.4% |
| Participation rate | 88.6% | 69.2%+19.4pp | 81.9%+6.6pp | 69.6%+18.9pp |
| Annual return | 9.86% | 24.20%-14.3pp | 151.12%-141.3pp | 31.71%-21.9pp |
| Employer contribution / active EE | $2,391 | $3,257-26.6% | $5,011-52.3% | $2,471-3.2% |
| Participant deferral / active EE | $4,272 | $3,237+32.0% | $5,202-17.9% | $3,741+14.2% |
| Admin fee / account holder | $2,028 | $6,748-69.9% | $13,987-85.5% | $5,306-61.8% |