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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 | $114,966 | $81,276+41.5% | $155,574-26.1% | $80,925+42.1% |
| Participation rate | 70.0% | 66.2%+3.8pp | 78.2%-8.2pp | 67.7%+2.3pp |
| Annual return | 8.19% | 33.36%-25.2pp | 64.87%-56.7pp | 35.65%-27.5pp |
| Employer contribution / active EE | $1,552 | $3,103-50.0% | $4,676-66.8% | $2,756-43.7% |
| Participant deferral / active EE | $3,702 | $3,453+7.2% | $5,629-34.2% | $4,299-13.9% |
| Admin fee / account holder | $2,521 | $7,993-68.5% | $15,914-84.2% | $6,940-63.7% |