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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 | $84,893 | $73,978+14.8% | $96,515-12.0% | $75,173+12.9% |
| Participation rate | 97.1% | 66.4%+30.6pp | 74.3%+22.7pp | 67.2%+29.9pp |
| Annual return | 2.97% | 26.72%-23.8pp | 35.73%-32.8pp | 160.72%-157.8pp |
| Employer contribution / active EE | $9,706 | $2,931+231.2% | $3,740+159.5% | $2,671+263.4% |
| Participant deferral / active EE | $5,260 | $3,660+43.7% | $4,880+7.8% | $4,126+27.5% |
| Admin fee / account holder | $7,730 | $5,219+48.1% | $6,735+14.8% | $5,651+36.8% |