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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 | $62,404 | $81,331-23.3% | $155,534-59.9% | $80,935-22.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 10.05% | 33.37%-23.3pp | 64.92%-54.9pp | 35.66%-25.6pp |
| Employer contribution / active EE | $3,803 | $3,105+22.5% | $4,675-18.6% | $2,757+38.0% |
| Participant deferral / active EE | $5,776 | $3,454+67.2% | $5,630+2.6% | $4,299+34.4% |
| Admin fee / account holder | $671 | $7,999-91.6% | $15,900-95.8% | $6,924-90.3% |