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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 | $59,178 | $73,988-20.0% | $96,538-38.7% | $75,177-21.3% |
| Participation rate | 89.7% | 66.4%+23.2pp | 74.3%+15.3pp | 67.2%+22.5pp |
| Annual return | 7.52% | 26.73%-19.2pp | 35.74%-28.2pp | 160.75%-153.2pp |
| Employer contribution / active EE | $29,541 | $2,930+908.1% | $3,740+689.8% | $2,671+1006.0% |
| Participant deferral / active EE | $4,001 | $3,660+9.3% | $4,880-18.0% | $4,126-3.0% |
| Admin fee / account holder | $3,637 | $5,220-30.3% | $6,737-46.0% | $5,651-35.7% |