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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 | $99,875-31.8% | $146,866-53.6% | $86,983-21.7% |
| Participation rate | 94.1% | 75.8%+18.3pp | 82.5%+11.6pp | 69.5%+24.6pp |
| Annual return | 12.85% | 28.10%-15.2pp | 102.85%-90.0pp | 25.83%-13.0pp |
| Employer contribution / active EE | $2,612 | $3,224-19.0% | $4,425-41.0% | $2,584+1.1% |
| Participant deferral / active EE | $3,861 | $6,322-38.9% | $7,759-50.2% | $4,194-7.9% |
| Admin fee / account holder | $1,197 | $7,838-84.7% | $13,620-91.2% | $7,856-84.8% |