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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 | $69,308 | $101,798-31.9% | $165,071-58.0% | $80,935-14.4% |
| Participation rate | 95.8% | 71.8%+24.0pp | 78.6%+17.2pp | 67.7%+28.2pp |
| Annual return | 10.12% | 16.73%-6.6pp | 70.17%-60.1pp | 35.66%-25.5pp |
| Employer contribution / active EE | $1,768 | $2,954-40.2% | $4,347-59.3% | $2,757-35.9% |
| Participant deferral / active EE | $7,971 | $4,476+78.1% | $6,035+32.1% | $4,299+85.4% |
| Admin fee / account holder | $11,906 | $8,221+44.8% | $12,695-6.2% | $6,924+71.9% |