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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 | $53,244 | $70,475-24.5% | $100,530-47.0% | $79,858-33.3% |
| Participation rate | 81.3% | 73.7%+7.7pp | 79.4%+1.9pp | 69.6%+11.7pp |
| Annual return | 11.27% | 21.90%-10.6pp | 30.89%-19.6pp | 31.72%-20.4pp |
| Employer contribution / active EE | $1,403 | $2,165-35.2% | $3,418-59.0% | $2,471-43.2% |
| Participant deferral / active EE | $3,164 | $5,181-38.9% | $6,271-49.6% | $3,740-15.4% |
| Admin fee / account holder | $2,076 | $4,478-53.6% | $8,083-74.3% | $5,306-60.9% |