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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 | $137,967 | $60,349+128.6% | $74,184+86.0% | $62,881+119.4% |
| Participation rate | 85.0% | 72.7%+12.3pp | 76.6%+8.4pp | 69.3%+15.7pp |
| Annual return | 4.67% | 21.38%-16.7pp | 17.74%-13.1pp | 20.14%-15.5pp |
| Employer contribution / active EE | $3,589 | $1,680+113.6% | $2,370+51.4% | $2,281+57.3% |
| Participant deferral / active EE | $9,993 | $2,856+249.8% | $3,550+181.5% | $3,203+212.0% |
| Admin fee / account holder | $3,654 | $4,261-14.2% | $5,586-34.6% | $4,296-14.9% |