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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 | $72,607+25.8% | $90,259+1.2% | $87,485+4.4% |
| Participation rate | 93.3% | 64.8%+28.5pp | 70.7%+22.6pp | 68.9%+24.4pp |
| Annual return | 10.56% | 18.59%-8.0pp | 18.88%-8.3pp | 26.06%-15.5pp |
| Employer contribution / active EE | $439 | $1,919-77.1% | $2,291-80.8% | $2,596-83.1% |
| Participant deferral / active EE | $4,916 | $3,055+60.9% | $3,827+28.5% | $4,274+15.0% |
| Admin fee / account holder | $6,311 | $5,947+6.1% | $7,267-13.2% | $7,775-18.8% |