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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 | $68,269 | $81,504-16.2% | $102,437-33.4% | $80,959-15.7% |
| Participation rate | 84.9% | 66.9%+18.1pp | 74.5%+10.4pp | 67.7%+17.2pp |
| Annual return | 4.77% | 25.60%-20.8pp | 24.95%-20.2pp | 35.67%-30.9pp |
| Employer contribution / active EE | $6,565 | $3,104+111.5% | $3,871+69.6% | $2,757+138.1% |
| Participant deferral / active EE | $3,065 | $3,871-20.8% | $5,060-39.4% | $4,300-28.7% |
| Admin fee / account holder | $1,250 | $6,719-81.4% | $8,388-85.1% | $6,925-81.9% |