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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 | $60,022 | $67,602-11.2% | $82,312-27.1% | $70,126-14.4% |
| Participation rate | 93.8% | 72.8%+21.0pp | 76.9%+16.9pp | 69.5%+24.2pp |
| Annual return | 11.12% | 21.57%-10.4pp | 25.88%-14.8pp | 73.15%-62.0pp |
| Employer contribution / active EE | $573 | $1,755-67.4% | $2,428-76.4% | $2,343-75.5% |
| Participant deferral / active EE | $3,884 | $2,987+30.0% | $3,706+4.8% | $3,332+16.6% |
| Admin fee / account holder | $33,929 | $4,512+652.0% | $5,608+505.0% | $4,645+630.4% |