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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 | $62,418 | $106,749-41.5% | $145,433-57.1% | $82,448-24.3% |
| Participation rate | 89.3% | 75.6%+13.6pp | 82.1%+7.2pp | 68.1%+21.2pp |
| Annual return | 13.40% | 27.59%-14.2pp | 66.58%-53.2pp | 41.64%-28.2pp |
| Employer contribution / active EE | $2,056 | $3,444-40.3% | $4,554-54.9% | $2,551-19.4% |
| Participant deferral / active EE | $3,378 | $6,519-48.2% | $7,897-57.2% | $4,139-18.4% |
| Admin fee / account holder | $5,751 | $8,390-31.5% | $13,129-56.2% | $7,234-20.5% |