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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 | $106,172 | $81,487+30.3% | $102,412+3.7% | $80,935+31.2% |
| Participation rate | 97.0% | 66.8%+30.1pp | 74.5%+22.5pp | 67.7%+29.3pp |
| Annual return | 8.40% | 25.60%-17.2pp | 24.94%-16.5pp | 35.66%-27.3pp |
| Employer contribution / active EE | $6,179 | $3,103+99.1% | $3,870+59.7% | $2,757+124.1% |
| Participant deferral / active EE | $3,832 | $3,871-1.0% | $5,060-24.3% | $4,299-10.9% |
| Admin fee / account holder | $2,197 | $6,717-67.3% | $8,388-73.8% | $6,924-68.3% |