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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 | $95,204 | $81,262+17.2% | $155,602-38.8% | $80,911+17.7% |
| Participation rate | 74.3% | 66.2%+8.0pp | 78.2%-3.9pp | 67.6%+6.6pp |
| Annual return | 9.26% | 33.34%-24.1pp | 64.81%-55.6pp | 35.63%-26.4pp |
| Employer contribution / active EE | $1,153 | $3,102-62.8% | $4,675-75.3% | $2,756-58.2% |
| Participant deferral / active EE | $3,772 | $3,451+9.3% | $5,629-33.0% | $4,297-12.2% |
| Admin fee / account holder | $1,919 | $7,992-76.0% | $15,923-88.0% | $6,935-72.3% |