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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 | $34,902 | $56,287-38.0% | $80,977-56.9% | $62,881-44.5% |
| Participation rate | 73.1% | 68.9%+4.1pp | 75.8%-2.7pp | 69.3%+3.8pp |
| Annual return | 4.66% | 22.13%-17.5pp | 17.11%-12.4pp | 20.14%-15.5pp |
| Employer contribution / active EE | $1,147 | $1,943-41.0% | $3,715-69.1% | $2,281-49.7% |
| Participant deferral / active EE | $2,749 | $4,196-34.5% | $5,696-51.7% | $3,203-14.2% |
| Admin fee / account holder | $3,065 | $3,742-18.1% | $5,517-44.4% | $4,296-28.7% |