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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 | $76,143 | $83,485-8.8% | $125,192-39.2% | $72,975+4.3% |
| Participation rate | 96.9% | 73.3%+23.6pp | 79.8%+17.1pp | 69.5%+27.4pp |
| Annual return | 12.47% | 25.77%-13.3pp | 43.79%-31.3pp | 81.01%-68.5pp |
| Employer contribution / active EE | $3,948 | $2,346+68.3% | $3,866+2.1% | $2,440+61.8% |
| Participant deferral / active EE | $10,051 | $3,586+180.3% | $4,937+103.6% | $3,608+178.6% |
| Admin fee / account holder | $9,592 | $5,518+73.8% | $9,704-1.1% | $5,124+87.2% |