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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 | $62,996 | $67,602-6.8% | $82,312-23.5% | $70,126-10.2% |
| Participation rate | 94.0% | 72.8%+21.2pp | 76.9%+17.1pp | 69.5%+24.5pp |
| Annual return | 11.79% | 21.57%-9.8pp | 25.88%-14.1pp | 73.15%-61.4pp |
| Employer contribution / active EE | $1,140 | $1,755-35.0% | $2,428-53.1% | $2,343-51.3% |
| Participant deferral / active EE | $5,815 | $2,987+94.7% | $3,706+56.9% | $3,332+74.5% |
| Admin fee / account holder | $384 | $4,512-91.5% | $5,608-93.1% | $4,645-91.7% |