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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 | $119,022 | $83,485+42.6% | $125,192-4.9% | $72,975+63.1% |
| Participation rate | 71.0% | 73.3%-2.3pp | 79.8%-8.8pp | 69.5%+1.5pp |
| Annual return | 4.84% | 25.77%-20.9pp | 43.79%-38.9pp | 81.01%-76.2pp |
| Employer contribution / active EE | $1,741 | $2,346-25.8% | $3,866-55.0% | $2,440-28.6% |
| Participant deferral / active EE | $3,993 | $3,586+11.3% | $4,937-19.1% | $3,608+10.7% |
| Admin fee / account holder | $2,192 | $5,518-60.3% | $9,704-77.4% | $5,124-57.2% |