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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 | $83,015 | $72,269+14.9% | $101,271-18.0% | $79,852+4.0% |
| Participation rate | 91.4% | 68.5%+22.9pp | 75.8%+15.6pp | 69.6%+21.7pp |
| Annual return | 10.16% | 22.29%-12.1pp | 46.48%-36.3pp | 31.72%-21.6pp |
| Employer contribution / active EE | $1,268 | $2,692-52.9% | $3,660-65.4% | $2,471-48.7% |
| Participant deferral / active EE | $3,811 | $3,282+16.1% | $4,371-12.8% | $3,740+1.9% |
| Admin fee / account holder | $1,902 | $4,401-56.8% | $5,948-68.0% | $5,306-64.2% |