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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 | $73,860 | $71,215+3.7% | $93,696-21.2% | $80,935-8.7% |
| Participation rate | 81.5% | 60.4%+21.1pp | 68.7%+12.8pp | 67.7%+13.8pp |
| Annual return | 9.76% | 11.27%-1.5pp | 133.74%-124.0pp | 35.66%-25.9pp |
| Employer contribution / active EE | $2,470 | $1,565+57.8% | $2,422+2.0% | $2,757-10.4% |
| Participant deferral / active EE | $4,434 | $4,037+9.8% | $4,417+0.4% | $4,299+3.1% |
| Admin fee / account holder | $7,254 | $6,958+4.3% | $8,287-12.5% | $6,924+4.8% |