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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 | $84,854 | $58,099+46.0% | $76,902+10.3% | $75,177+12.9% |
| Participation rate | 72.1% | 63.9%+8.2pp | 69.6%+2.5pp | 67.2%+4.9pp |
| Annual return | 12.87% | 26.71%-13.8pp | 37.91%-25.0pp | 160.75%-147.9pp |
| Employer contribution / active EE | $2,298 | $1,996+15.2% | $2,534-9.3% | $2,671-14.0% |
| Participant deferral / active EE | $1,670 | $2,999-44.3% | $3,833-56.4% | $4,126-59.5% |
| Admin fee / account holder | $5,864 | $4,778+22.7% | $5,479+7.0% | $5,651+3.8% |