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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 | $110,785 | $73,988+49.7% | $96,538+14.8% | $75,177+47.4% |
| Participation rate | 96.3% | 66.4%+29.9pp | 74.3%+21.9pp | 67.2%+29.1pp |
| Annual return | 9.66% | 26.73%-17.1pp | 35.74%-26.1pp | 160.75%-151.1pp |
| Employer contribution / active EE | $6,197 | $2,930+111.5% | $3,740+65.7% | $2,671+132.0% |
| Participant deferral / active EE | $3,668 | $3,660+0.2% | $4,880-24.8% | $4,126-11.1% |
| Admin fee / account holder | $3,085 | $5,220-40.9% | $6,737-54.2% | $5,651-45.4% |