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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 | $68,118 | $106,749-36.2% | $145,433-53.2% | $82,448-17.4% |
| Participation rate | 94.1% | 75.6%+18.5pp | 82.1%+12.0pp | 68.1%+26.0pp |
| Annual return | 12.85% | 27.59%-14.7pp | 66.58%-53.7pp | 41.64%-28.8pp |
| Employer contribution / active EE | $2,612 | $3,444-24.2% | $4,554-42.6% | $2,551+2.4% |
| Participant deferral / active EE | $3,861 | $6,519-40.8% | $7,897-51.1% | $4,139-6.7% |
| Admin fee / account holder | $1,197 | $8,390-85.7% | $13,129-90.9% | $7,234-83.5% |