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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 | $103,165 | $106,749-3.4% | $145,433-29.1% | $82,448+25.1% |
| Participation rate | 96.7% | 75.6%+21.0pp | 82.1%+14.5pp | 68.1%+28.6pp |
| Annual return | 13.14% | 27.59%-14.4pp | 66.58%-53.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $4,233 | $3,444+22.9% | $4,554-7.1% | $2,551+65.9% |
| Participant deferral / active EE | $10,993 | $6,519+68.6% | $7,897+39.2% | $4,139+165.6% |
| Admin fee / account holder | $10,879 | $8,390+29.7% | $13,129-17.1% | $7,234+50.4% |