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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 | $89,519 | $108,825-17.7% | $156,181-42.7% | $82,448+8.6% |
| Participation rate | 97.1% | 72.4%+24.8pp | 78.8%+18.3pp | 68.1%+29.1pp |
| Annual return | 12.37% | 20.59%-8.2pp | 64.87%-52.5pp | 41.64%-29.3pp |
| Employer contribution / active EE | $2,076 | $2,870-27.7% | $4,294-51.6% | $2,551-18.6% |
| Participant deferral / active EE | $4,463 | $4,577-2.5% | $6,132-27.2% | $4,139+7.8% |
| Admin fee / account holder | $2,587 | $9,341-72.3% | $14,586-82.3% | $7,234-64.2% |