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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 | $93,002 | $54,757+69.8% | $90,304+3.0% | $72,975+27.4% |
| Participation rate | 90.3% | 65.2%+25.2pp | 73.3%+17.0pp | 69.5%+20.8pp |
| Annual return | 4.87% | 30.63%-25.8pp | 78.13%-73.3pp | 81.01%-76.1pp |
| Employer contribution / active EE | $1,092 | $2,093-47.8% | $2,855-61.7% | $2,440-55.2% |
| Participant deferral / active EE | $4,301 | $2,887+49.0% | $3,885+10.7% | $3,608+19.2% |
| Admin fee / account holder | $8,672 | $3,973+118.3% | $5,354+62.0% | $5,124+69.2% |