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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 | $41,052 | $106,864-61.6% | $147,318-72.1% | $82,637-50.3% |
| Participation rate | 93.8% | 75.5%+18.2pp | 82.1%+11.7pp | 68.1%+25.7pp |
| Annual return | 13.98% | 27.49%-13.5pp | 70.43%-56.5pp | 53.51%-39.5pp |
| Employer contribution / active EE | $4,981 | $3,417+45.8% | $4,593+8.5% | $2,552+95.2% |
| Participant deferral / active EE | $8,398 | $6,496+29.3% | $7,906+6.2% | $4,126+103.5% |
| Admin fee / account holder | $10,914 | $8,415+29.7% | $13,708-20.4% | $7,339+48.7% |