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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 | $72,355 | $81,487-11.2% | $102,412-29.3% | $80,935-10.6% |
| Participation rate | 80.6% | 66.8%+13.8pp | 74.5%+6.1pp | 67.7%+13.0pp |
| Annual return | 8.73% | 25.60%-16.9pp | 24.94%-16.2pp | 35.66%-26.9pp |
| Employer contribution / active EE | $1,879 | $3,103-39.4% | $3,870-51.4% | $2,757-31.8% |
| Participant deferral / active EE | $3,520 | $3,871-9.1% | $5,060-30.4% | $4,299-18.1% |
| Admin fee / account holder | $2,365 | $6,717-64.8% | $8,388-71.8% | $6,924-65.8% |