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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 | $80,205 | $73,787+8.7% | $98,716-18.8% | $82,448-2.7% |
| Participation rate | 92.0% | 61.4%+30.6pp | 69.3%+22.7pp | 68.1%+23.9pp |
| Annual return | 11.55% | 18.57%-7.0pp | 31.81%-20.3pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,577 | $1,511+4.3% | $2,279-30.8% | $2,551-38.2% |
| Participant deferral / active EE | $10,266 | $3,081+233.1% | $4,048+153.6% | $4,139+148.0% |
| Admin fee / account holder | $1,925 | $6,500-70.4% | $8,703-77.9% | $7,234-73.4% |