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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 | $64,666 | $76,551-15.5% | $123,894-47.8% | $62,881+2.8% |
| Participation rate | 79.3% | 73.0%+6.3pp | 81.4%-2.1pp | 69.3%+10.0pp |
| Annual return | 5.55% | 18.68%-13.1pp | 47.52%-42.0pp | 20.14%-14.6pp |
| Employer contribution / active EE | $2,076 | $2,882-28.0% | $4,617-55.0% | $2,281-9.0% |
| Participant deferral / active EE | $4,251 | $4,840-12.2% | $5,984-29.0% | $3,203+32.7% |
| Admin fee / account holder | $3,528 | $4,826-26.9% | $8,357-57.8% | $4,296-17.9% |