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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 | $53,955 | $81,487-33.8% | $102,412-47.3% | $80,935-33.3% |
| Participation rate | 95.7% | 66.8%+28.8pp | 74.5%+21.1pp | 67.7%+28.0pp |
| Annual return | 10.10% | 25.60%-15.5pp | 24.94%-14.8pp | 35.66%-25.6pp |
| Employer contribution / active EE | $3,378 | $3,103+8.9% | $3,870-12.7% | $2,757+22.5% |
| Participant deferral / active EE | $4,459 | $3,871+15.2% | $5,060-11.9% | $4,299+3.7% |
| Admin fee / account holder | $3,618 | $6,717-46.1% | $8,388-56.9% | $6,924-47.8% |