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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 | $56,110 | $80,983-30.7% | $96,544-41.9% | $75,177-25.4% |
| Participation rate | 80.9% | 71.8%+9.1pp | 76.0%+4.9pp | 67.2%+13.6pp |
| Annual return | 12.64% | 27.05%-14.4pp | 25.88%-13.2pp | 160.75%-148.1pp |
| Employer contribution / active EE | $1,758 | $2,282-23.0% | $2,966-40.7% | $2,671-34.2% |
| Participant deferral / active EE | $3,716 | $3,929-5.4% | $4,851-23.4% | $4,126-9.9% |
| Admin fee / account holder | $8,407 | $6,717+25.2% | $8,254+1.8% | $5,651+48.8% |