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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 | $52,627 | $73,988-28.9% | $96,538-45.5% | $75,177-30.0% |
| Participation rate | 93.6% | 66.4%+27.2pp | 74.3%+19.3pp | 67.2%+26.4pp |
| Annual return | 5.79% | 26.73%-20.9pp | 35.74%-29.9pp | 160.75%-155.0pp |
| Employer contribution / active EE | $6,811 | $2,930+132.4% | $3,740+82.1% | $2,671+155.0% |
| Participant deferral / active EE | $2,515 | $3,660-31.3% | $4,880-48.5% | $4,126-39.0% |
| Admin fee / account holder | $1,439 | $5,220-72.4% | $6,737-78.6% | $5,651-74.5% |