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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 | $60,030 | $86,949-31.0% | $102,460-41.4% | $80,959-25.9% |
| Participation rate | 78.0% | 72.4%+5.6pp | 76.5%+1.5pp | 67.7%+10.3pp |
| Annual return | 9.00% | 18.89%-9.9pp | 29.47%-20.5pp | 35.67%-26.7pp |
| Employer contribution / active EE | $1,170 | $2,370-50.6% | $3,025-61.3% | $2,757-57.6% |
| Participant deferral / active EE | $2,268 | $4,121-45.0% | $5,056-55.1% | $4,300-47.3% |
| Admin fee / account holder | $3,041 | $8,048-62.2% | $9,460-67.9% | $6,925-56.1% |