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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 | $60,828 | $72,492-16.1% | $87,104-30.2% | $72,975-16.6% |
| Participation rate | 90.0% | 72.8%+17.2pp | 76.9%+13.1pp | 69.5%+20.5pp |
| Annual return | 13.79% | 24.46%-10.7pp | 28.19%-14.4pp | 81.01%-67.2pp |
| Employer contribution / active EE | $1,299 | $1,894-31.4% | $2,521-48.5% | $2,440-46.8% |
| Participant deferral / active EE | $3,627 | $3,270+10.9% | $4,048-10.4% | $3,608+0.5% |
| Admin fee / account holder | $7,718 | $5,055+52.7% | $7,491+3.0% | $5,124+50.6% |