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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 | $48,110 | $99,875-51.8% | $146,866-67.2% | $86,983-44.7% |
| Participation rate | 84.6% | 75.8%+8.8pp | 82.5%+2.1pp | 69.5%+15.1pp |
| Annual return | 10.75% | 28.10%-17.3pp | 102.85%-92.1pp | 25.83%-15.1pp |
| Employer contribution / active EE | $3,247 | $3,224+0.7% | $4,425-26.6% | $2,584+25.6% |
| Participant deferral / active EE | $2,687 | $6,322-57.5% | $7,759-65.4% | $4,194-35.9% |
| Admin fee / account holder | $629 | $7,838-92.0% | $13,620-95.4% | $7,856-92.0% |