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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 | $168,481 | $94,031+79.2% | $115,768+45.5% | $82,448+104.3% |
| Participation rate | 96.9% | 70.4%+26.5pp | 74.4%+22.5pp | 68.1%+28.8pp |
| Annual return | 10.23% | 20.61%-10.4pp | 100.46%-90.2pp | 41.64%-31.4pp |
| Employer contribution / active EE | $1,865 | $2,323-19.7% | $2,940-36.6% | $2,551-26.9% |
| Participant deferral / active EE | $3,269 | $3,972-17.7% | $4,917-33.5% | $4,139-21.0% |
| Admin fee / account holder | $2,597 | $10,249-74.7% | $12,439-79.1% | $7,234-64.1% |