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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 | $100,580 | $66,764+50.6% | $88,497+13.7% | $62,881+60.0% |
| Participation rate | 92.3% | 77.3%+15.0pp | 82.4%+9.9pp | 69.3%+23.0pp |
| Annual return | 2.84% | 10.37%-7.5pp | 7.63%-4.8pp | 20.14%-17.3pp |
| Employer contribution / active EE | $1,127 | $3,077-63.4% | $4,036-72.1% | $2,281-50.6% |
| Participant deferral / active EE | $4,207 | $3,976+5.8% | $4,899-14.1% | $3,203+31.4% |
| Admin fee / account holder | $4,788 | $4,668+2.6% | $6,220-23.0% | $4,296+11.4% |