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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 | $85,076 | $153,769-44.7% | $133,975-36.5% | $273,972-68.9% |
| Participation rate | 80.0% | 88.4%-8.4pp | 87.1%-7.1pp | 83.0%-3.0pp |
| Annual return | 3.26% | 36.51%-33.3pp | 29.29%-26.0pp | 41.46%-38.2pp |
| Employer contribution / active EE | $3,949 | $6,029-34.5% | $5,211-24.2% | $4,869-18.9% |
| Participant deferral / active EE | $8,834 | $6,958+27.0% | $6,282+40.6% | $5,287+67.1% |
| Admin fee / account holder | $1,687 | $11,765-85.7% | $9,324-81.9% | $10,133-83.4% |