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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 | $118,780 | $73,988+60.5% | $96,538+23.0% | $75,177+58.0% |
| Participation rate | 92.7% | 66.4%+26.3pp | 74.3%+18.4pp | 67.2%+25.5pp |
| Annual return | 3.32% | 26.73%-23.4pp | 35.74%-32.4pp | 160.75%-157.4pp |
| Employer contribution / active EE | $10,412 | $2,930+255.3% | $3,740+178.4% | $2,671+289.8% |
| Participant deferral / active EE | $5,039 | $3,660+37.7% | $4,880+3.3% | $4,126+22.1% |
| Admin fee / account holder | $2,566 | $5,220-50.8% | $6,737-61.9% | $5,651-54.6% |