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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 | $81,446-16.2% | $103,374-34.0% | $80,874-15.6% |
| Participation rate | 84.9% | 66.9%+18.1pp | 74.5%+10.4pp | 67.6%+17.3pp |
| Annual return | 4.77% | 25.57%-20.8pp | 24.89%-20.1pp | 35.62%-30.8pp |
| Employer contribution / active EE | $6,565 | $3,107+111.3% | $3,869+69.7% | $2,756+138.2% |
| Participant deferral / active EE | $3,065 | $3,870-20.8% | $5,058-39.4% | $4,297-28.7% |
| Admin fee / account holder | $1,250 | $6,715-81.4% | $8,394-85.1% | $6,935-82.0% |