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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 | $36,959 | $54,763-32.5% | $90,324-59.1% | $72,976-49.4% |
| Participation rate | 80.8% | 65.2%+15.6pp | 73.3%+7.5pp | 69.5%+11.3pp |
| Annual return | 14.18% | 30.63%-16.4pp | 78.15%-64.0pp | 81.02%-66.8pp |
| Employer contribution / active EE | $6,062 | $2,093+189.6% | $2,856+112.3% | $2,440+148.4% |
| Participant deferral / active EE | $4,294 | $2,887+48.7% | $3,885+10.5% | $3,608+19.0% |
| Admin fee / account holder | $458 | $3,973-88.5% | $5,356-91.5% | $5,124-91.1% |