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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 | $74,512 | $80,992-8.0% | $96,534-22.8% | $75,173-0.9% |
| Participation rate | 87.9% | 71.8%+16.1pp | 76.0%+11.9pp | 67.2%+20.7pp |
| Annual return | 11.60% | 27.05%-15.4pp | 25.88%-14.3pp | 160.72%-149.1pp |
| Employer contribution / active EE | $2,217 | $2,283-2.9% | $2,965-25.2% | $2,671-17.0% |
| Participant deferral / active EE | $3,463 | $3,929-11.9% | $4,851-28.6% | $4,126-16.1% |
| Admin fee / account holder | $996 | $6,717-85.2% | $8,253-87.9% | $5,651-82.4% |