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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 | $41,530 | $81,331-48.9% | $155,534-73.3% | $80,935-48.7% |
| Participation rate | 96.4% | 66.3%+30.1pp | 78.2%+18.1pp | 67.7%+28.7pp |
| Annual return | 10.57% | 33.37%-22.8pp | 64.92%-54.3pp | 35.66%-25.1pp |
| Employer contribution / active EE | $5,277 | $3,105+70.0% | $4,675+12.9% | $2,757+91.4% |
| Participant deferral / active EE | $3,449 | $3,454-0.2% | $5,630-38.7% | $4,299-19.8% |
| Admin fee / account holder | $2,335 | $7,999-70.8% | $15,900-85.3% | $6,924-66.3% |