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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 | $69,939 | $78,015-10.4% | $178,505-60.8% | $80,959-13.6% |
| Participation rate | 73.0% | 65.7%+7.3pp | 77.1%-4.1pp | 67.7%+5.3pp |
| Annual return | 10.58% | 18.10%-7.5pp | 27.16%-16.6pp | 35.67%-25.1pp |
| Employer contribution / active EE | $1,509 | $2,281-33.9% | $3,955-61.8% | $2,757-45.3% |
| Participant deferral / active EE | $4,635 | $4,406+5.2% | $6,280-26.2% | $4,300+7.8% |
| Admin fee / account holder | $1,394 | $7,160-80.5% | $10,428-86.6% | $6,925-79.9% |