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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 | $70,983 | $81,358-12.8% | $155,556-54.4% | $80,959-12.3% |
| Participation rate | 90.0% | 66.3%+23.7pp | 78.2%+11.8pp | 67.7%+22.3pp |
| Annual return | 7.91% | 33.39%-25.5pp | 64.84%-56.9pp | 35.67%-27.8pp |
| Employer contribution / active EE | $6,460 | $3,106+108.0% | $4,675+38.2% | $2,757+134.3% |
| Participant deferral / active EE | $4,381 | $3,455+26.8% | $5,631-22.2% | $4,300+1.9% |
| Admin fee / account holder | $11,336 | $7,994+41.8% | $15,885-28.6% | $6,925+63.7% |