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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 | $49,707 | $63,809-22.1% | $81,353-38.9% | $80,935-38.6% |
| Participation rate | 86.5% | 63.9%+22.6pp | 69.5%+16.9pp | 67.7%+18.8pp |
| Annual return | 8.66% | 16.37%-7.7pp | 24.82%-16.2pp | 35.66%-27.0pp |
| Employer contribution / active EE | $3,497 | $1,981+76.6% | $2,464+41.9% | $2,757+26.9% |
| Participant deferral / active EE | $1,886 | $3,093-39.0% | $3,885-51.4% | $4,299-56.1% |
| Admin fee / account holder | $1,191 | $5,686-79.0% | $5,766-79.3% | $6,924-82.8% |