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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 | $81,960 | $67,602+21.2% | $82,312-0.4% | $70,126+16.9% |
| Participation rate | 70.6% | 72.8%-2.2pp | 76.9%-6.3pp | 69.5%+1.0pp |
| Annual return | 11.34% | 21.57%-10.2pp | 25.88%-14.5pp | 73.15%-61.8pp |
| Employer contribution / active EE | $813 | $1,755-53.7% | $2,428-66.5% | $2,343-65.3% |
| Participant deferral / active EE | $2,873 | $2,987-3.8% | $3,706-22.5% | $3,332-13.8% |
| Admin fee / account holder | $4,625 | $4,512+2.5% | $5,608-17.5% | $4,645-0.4% |