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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 | $91,279 | $101,795-10.3% | $165,100-44.7% | $80,959+12.7% |
| Participation rate | 94.4% | 71.8%+22.6pp | 78.6%+15.8pp | 67.7%+26.8pp |
| Annual return | 9.11% | 16.73%-7.6pp | 70.21%-61.1pp | 35.67%-26.6pp |
| Employer contribution / active EE | $2,409 | $2,954-18.4% | $4,348-44.6% | $2,757-12.6% |
| Participant deferral / active EE | $6,932 | $4,476+54.9% | $6,035+14.8% | $4,300+61.2% |
| Admin fee / account holder | $885 | $8,221-89.2% | $12,696-93.0% | $6,925-87.2% |