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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 | $118,395 | $87,733+34.9% | $106,555+11.1% | $85,847+37.9% |
| Participation rate | 91.4% | 71.9%+19.5pp | 76.1%+15.3pp | 69.3%+22.1pp |
| Annual return | 10.65% | 21.86%-11.2pp | 26.80%-16.2pp | 318.61%-308.0pp |
| Employer contribution / active EE | $914 | $2,073-55.9% | $2,819-67.6% | $2,565-64.4% |
| Participant deferral / active EE | $3,141 | $3,469-9.5% | $4,399-28.6% | $3,952-20.5% |
| Admin fee / account holder | $3,891 | $6,767-42.5% | $7,408-47.5% | $6,261-37.9% |