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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 | $73,946 | $86,940-14.9% | $102,434-27.8% | $80,935-8.6% |
| Participation rate | 87.0% | 72.4%+14.6pp | 76.5%+10.4pp | 67.7%+19.3pp |
| Annual return | 9.29% | 18.89%-9.6pp | 29.46%-20.2pp | 35.66%-26.4pp |
| Employer contribution / active EE | $1,865 | $2,370-21.3% | $3,023-38.3% | $2,757-32.3% |
| Participant deferral / active EE | $5,669 | $4,121+37.6% | $5,055+12.1% | $4,299+31.8% |
| Admin fee / account holder | $6,005 | $8,047-25.4% | $9,462-36.5% | $6,924-13.3% |