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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 | $63,700 | $75,720-15.9% | $90,312-29.5% | $86,983-26.8% |
| Participation rate | 97.4% | 66.3%+31.1pp | 72.9%+24.5pp | 69.5%+27.8pp |
| Annual return | 5.31% | 18.55%-13.2pp | 18.90%-13.6pp | 25.83%-20.5pp |
| Employer contribution / active EE | $6,665 | $1,945+242.6% | $2,243+197.2% | $2,584+157.9% |
| Participant deferral / active EE | $3,851 | $3,001+28.3% | $3,749+2.7% | $4,194-8.2% |
| Admin fee / account holder | $700 | $6,201-88.7% | $8,248-91.5% | $7,856-91.1% |