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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 | $97,648+72.5% | $121,663+38.5% | $87,485+92.6% |
| Participation rate | 96.9% | 70.5%+26.4pp | 74.5%+22.4pp | 68.9%+27.9pp |
| Annual return | 10.23% | 18.03%-7.8pp | 147.54%-137.3pp | 26.06%-15.8pp |
| Employer contribution / active EE | $1,865 | $2,300-18.9% | $3,020-38.2% | $2,596-28.2% |
| Participant deferral / active EE | $3,269 | $3,923-16.7% | $4,887-33.1% | $4,274-23.5% |
| Admin fee / account holder | $2,597 | $11,100-76.6% | $14,289-81.8% | $7,775-66.6% |