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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 | $55,729 | $80,983-31.2% | $96,544-42.3% | $75,177-25.9% |
| Participation rate | 83.3% | 71.8%+11.5pp | 76.0%+7.3pp | 67.2%+16.1pp |
| Annual return | 12.08% | 27.05%-15.0pp | 25.88%-13.8pp | 160.75%-148.7pp |
| Employer contribution / active EE | $974 | $2,282-57.3% | $2,966-67.2% | $2,671-63.5% |
| Participant deferral / active EE | $2,474 | $3,929-37.0% | $4,851-49.0% | $4,126-40.1% |
| Admin fee / account holder | $3,114 | $6,717-53.6% | $8,254-62.3% | $5,651-44.9% |