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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 | $107,679 | $93,598+15.0% | $135,974-20.8% | $75,173+43.2% |
| Participation rate | 88.2% | 75.2%+13.0pp | 81.9%+6.3pp | 67.2%+21.0pp |
| Annual return | 13.35% | 30.89%-17.5pp | 68.30%-55.0pp | 160.72%-147.4pp |
| Employer contribution / active EE | $8,832 | $3,538+149.6% | $4,859+81.8% | $2,671+230.7% |
| Participant deferral / active EE | $8,312 | $6,405+29.8% | $7,760+7.1% | $4,126+101.4% |
| Admin fee / account holder | $1,891 | $6,978-72.9% | $10,767-82.4% | $5,651-66.5% |