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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 | $85,246 | $81,487+4.6% | $102,412-16.8% | $80,935+5.3% |
| Participation rate | 88.6% | 66.8%+21.7pp | 74.5%+14.1pp | 67.7%+20.9pp |
| Annual return | 9.02% | 25.60%-16.6pp | 24.94%-15.9pp | 35.66%-26.6pp |
| Employer contribution / active EE | $1,520 | $3,103-51.0% | $3,870-60.7% | $2,757-44.9% |
| Participant deferral / active EE | $3,013 | $3,871-22.2% | $5,060-40.5% | $4,299-29.9% |
| Admin fee / account holder | $2,328 | $6,717-65.4% | $8,388-72.3% | $6,924-66.4% |