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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 | $91,345 | $67,894+34.5% | $89,340+2.2% | $82,448+10.8% |
| Participation rate | 93.3% | 64.0%+29.3pp | 69.6%+23.8pp | 68.1%+25.3pp |
| Annual return | 10.56% | 19.21%-8.6pp | 20.57%-10.0pp | 41.64%-31.1pp |
| Employer contribution / active EE | $439 | $1,828-76.0% | $2,231-80.3% | $2,551-82.8% |
| Participant deferral / active EE | $4,916 | $3,072+60.0% | $3,823+28.6% | $4,139+18.8% |
| Admin fee / account holder | $6,311 | $5,723+10.3% | $6,704-5.9% | $7,234-12.8% |