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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 | $67,921 | $93,589-27.4% | $135,942-50.0% | $75,181-9.7% |
| Participation rate | 84.6% | 75.2%+9.4pp | 81.9%+2.7pp | 67.2%+17.4pp |
| Annual return | 13.90% | 30.90%-17.0pp | 68.28%-54.4pp | 160.69%-146.8pp |
| Employer contribution / active EE | $3,293 | $3,537-6.9% | $4,858-32.2% | $2,671+23.3% |
| Participant deferral / active EE | $2,749 | $6,405-57.1% | $7,759-64.6% | $4,126-33.4% |
| Admin fee / account holder | $1,301 | $6,977-81.4% | $10,764-87.9% | $5,650-77.0% |