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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 | $44,221 | $86,050-48.6% | $189,758-76.7% | $94,015-53.0% |
| Participation rate | 90.6% | 68.9%+21.7pp | 79.8%+10.8pp | 70.8%+19.8pp |
| Annual return | 10.51% | 17.77%-7.3pp | 52.62%-42.1pp | 17.84%-7.3pp |
| Employer contribution / active EE | $1,840 | $2,819-34.7% | $4,767-61.4% | $2,790-34.1% |
| Participant deferral / active EE | $1,918 | $3,349-42.7% | $5,856-67.3% | $4,249-54.9% |
| Admin fee / account holder | $3,980 | $6,627-39.9% | $20,388-80.5% | $8,951-55.5% |