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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 | $104,192 | $106,864-2.5% | $147,318-29.3% | $82,637+26.1% |
| Participation rate | 96.8% | 75.5%+21.3pp | 82.1%+14.7pp | 68.1%+28.7pp |
| Annual return | 11.57% | 27.49%-15.9pp | 70.43%-58.9pp | 53.51%-41.9pp |
| Employer contribution / active EE | $6,802 | $3,417+99.1% | $4,593+48.1% | $2,552+166.5% |
| Participant deferral / active EE | $9,217 | $6,496+41.9% | $7,906+16.6% | $4,126+123.4% |
| Admin fee / account holder | $17,024 | $8,415+102.3% | $13,708+24.2% | $7,339+132.0% |