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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 | $73,833 | $94,031-21.5% | $115,768-36.2% | $82,448-10.4% |
| Participation rate | 93.7% | 70.4%+23.2pp | 74.4%+19.3pp | 68.1%+25.6pp |
| Annual return | 11.98% | 20.61%-8.6pp | 100.46%-88.5pp | 41.64%-29.7pp |
| Employer contribution / active EE | $2,814 | $2,323+21.1% | $2,940-4.3% | $2,551+10.3% |
| Participant deferral / active EE | $5,918 | $3,972+49.0% | $4,917+20.4% | $4,139+43.0% |
| Admin fee / account holder | $7,940 | $10,249-22.5% | $12,439-36.2% | $7,234+9.8% |