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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 | $52,682 | $47,848+10.1% | $81,473-35.3% | $70,126-24.9% |
| Participation rate | 72.0% | 58.3%+13.7pp | 68.0%+4.0pp | 69.5%+2.5pp |
| Annual return | 12.80% | 27.25%-14.4pp | 38.78%-26.0pp | 73.15%-60.3pp |
| Employer contribution / active EE | $1,622 | $1,527+6.2% | $2,568-36.8% | $2,343-30.7% |
| Participant deferral / active EE | $4,121 | $2,453+68.0% | $3,537+16.5% | $3,332+23.7% |
| Admin fee / account holder | $769 | $3,145-75.6% | $4,561-83.1% | $4,645-83.5% |