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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 | $84,882 | $78,423+8.2% | $95,964-11.5% | $79,856+6.3% |
| Participation rate | 86.5% | 73.5%+13.0pp | 77.1%+9.5pp | 69.6%+16.9pp |
| Annual return | 9.37% | 19.37%-10.0pp | 91.64%-82.3pp | 31.71%-22.3pp |
| Employer contribution / active EE | $3,309 | $1,945+70.1% | $2,541+30.2% | $2,471+33.9% |
| Participant deferral / active EE | $4,193 | $3,440+21.9% | $4,167+0.6% | $3,741+12.1% |
| Admin fee / account holder | $7,010 | $5,622+24.7% | $6,797+3.1% | $5,306+32.1% |