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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 | $69,659 | $117,895-40.9% | $102,460-32.0% | $145,897-52.3% |
| Participation rate | 95.8% | 78.6%+17.2pp | 76.5%+19.3pp | 80.3%+15.5pp |
| Annual return | 8.39% | 31.92%-23.5pp | 29.47%-21.1pp | 552.29%-543.9pp |
| Employer contribution / active EE | $2,544 | $3,619-29.7% | $3,025-15.9% | $4,663-45.4% |
| Participant deferral / active EE | $7,678 | $5,736+33.9% | $5,056+51.9% | $6,689+14.8% |
| Admin fee / account holder | $2,762 | $13,353-79.3% | $9,460-70.8% | $13,390-79.4% |