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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 | $101,106 | $87,733+15.2% | $106,554-5.1% | $85,851+17.8% |
| Participation rate | 95.0% | 71.9%+23.1pp | 76.1%+18.9pp | 69.3%+25.7pp |
| Annual return | 9.50% | 21.86%-12.4pp | 26.80%-17.3pp | 318.63%-309.1pp |
| Employer contribution / active EE | $2,438 | $2,073+17.6% | $2,819-13.5% | $2,565-5.0% |
| Participant deferral / active EE | $3,964 | $3,469+14.3% | $4,398-9.9% | $3,952+0.3% |
| Admin fee / account holder | $10,810 | $6,767+59.7% | $7,408+45.9% | $6,261+72.7% |