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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 | $84,285 | $73,787+14.2% | $98,716-14.6% | $82,448+2.2% |
| Participation rate | 96.2% | 61.4%+34.7pp | 69.3%+26.9pp | 68.1%+28.1pp |
| Annual return | 11.99% | 18.57%-6.6pp | 31.81%-19.8pp | 41.64%-29.6pp |
| Employer contribution / active EE | $3,513 | $1,511+132.5% | $2,279+54.2% | $2,551+37.7% |
| Participant deferral / active EE | $2,252 | $3,081-26.9% | $4,048-44.4% | $4,139-45.6% |
| Admin fee / account holder | $3,731 | $6,500-42.6% | $8,703-57.1% | $7,234-48.4% |