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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 | $112,559 | $87,106+29.2% | $105,607+6.6% | $80,935+39.1% |
| Participation rate | 97.5% | 70.4%+27.1pp | 75.3%+22.2pp | 67.7%+29.8pp |
| Annual return | 7.72% | 17.01%-9.3pp | 116.11%-108.4pp | 35.66%-27.9pp |
| Employer contribution / active EE | $2,679 | $2,396+11.8% | $3,167-15.4% | $2,757-2.8% |
| Participant deferral / active EE | $4,566 | $3,986+14.5% | $5,011-8.9% | $4,299+6.2% |
| Admin fee / account holder | $2,344 | $8,447-72.2% | $10,958-78.6% | $6,924-66.1% |