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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 | $81,901 | $77,574+5.6% | $108,753-24.7% | $86,983-5.8% |
| Participation rate | 86.4% | 62.3%+24.1pp | 71.1%+15.4pp | 69.5%+16.9pp |
| Annual return | 11.20% | 18.42%-7.2pp | 37.47%-26.3pp | 25.83%-14.6pp |
| Employer contribution / active EE | $3,323 | $1,611+106.3% | $2,427+36.9% | $2,584+28.6% |
| Participant deferral / active EE | $4,285 | $3,128+37.0% | $4,115+4.1% | $4,194+2.2% |
| Admin fee / account holder | $4,873 | $6,529-25.4% | $10,320-52.8% | $7,856-38.0% |