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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 | $101,805 | $106,749-4.6% | $145,433-30.0% | $82,448+23.5% |
| Participation rate | 96.0% | 75.6%+20.4pp | 82.1%+13.9pp | 68.1%+27.9pp |
| Annual return | 11.47% | 27.59%-16.1pp | 66.58%-55.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $4,267 | $3,444+23.9% | $4,554-6.3% | $2,551+67.3% |
| Participant deferral / active EE | $4,308 | $6,519-33.9% | $7,897-45.4% | $4,139+4.1% |
| Admin fee / account holder | $341 | $8,390-95.9% | $13,129-97.4% | $7,234-95.3% |