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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 | $67,956 | $81,358-16.5% | $155,556-56.3% | $80,959-16.1% |
| Participation rate | 93.1% | 66.3%+26.8pp | 78.2%+14.9pp | 67.7%+25.4pp |
| Annual return | 9.59% | 33.39%-23.8pp | 64.84%-55.2pp | 35.67%-26.1pp |
| Employer contribution / active EE | $2,429 | $3,106-21.8% | $4,675-48.0% | $2,757-11.9% |
| Participant deferral / active EE | $2,067 | $3,455-40.2% | $5,631-63.3% | $4,300-51.9% |
| Admin fee / account holder | $1,325 | $7,994-83.4% | $15,885-91.7% | $6,925-80.9% |