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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 | $58,367 | $79,955-27.0% | $98,461-40.7% | $75,173-22.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.2%+24.8pp | 67.2%+32.8pp |
| Annual return | 12.50% | 19.75%-7.2pp | 21.17%-8.7pp | 160.72%-148.2pp |
| Employer contribution / active EE | $3,726 | $2,264+64.6% | $3,049+22.2% | $2,671+39.5% |
| Participant deferral / active EE | $1,807 | $3,752-51.8% | $4,738-61.9% | $4,126-56.2% |
| Admin fee / account holder | $1,328 | $6,841-80.6% | $8,961-85.2% | $5,651-76.5% |