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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 | $46,911 | $106,749-56.1% | $145,433-67.7% | $82,448-43.1% |
| Participation rate | 78.7% | 75.6%+3.0pp | 82.1%-3.4pp | 68.1%+10.6pp |
| Annual return | 12.37% | 27.59%-15.2pp | 66.58%-54.2pp | 41.64%-29.3pp |
| Employer contribution / active EE | $2,011 | $3,444-41.6% | $4,554-55.8% | $2,551-21.2% |
| Participant deferral / active EE | $4,669 | $6,519-28.4% | $7,897-40.9% | $4,139+12.8% |
| Admin fee / account holder | $1,429 | $8,390-83.0% | $13,129-89.1% | $7,234-80.2% |