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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 | $50,913 | $88,996-42.8% | $78,004-34.7% | $138,895-63.3% |
| Participation rate | 84.2% | 74.4%+9.9pp | 69.4%+14.8pp | 79.9%+4.3pp |
| Annual return | 10.08% | 28.03%-18.0pp | 31.07%-21.0pp | 145.39%-135.3pp |
| Employer contribution / active EE | $2,465 | $2,917-15.5% | $2,469-0.1% | $4,194-41.2% |
| Participant deferral / active EE | $9,463 | $4,724+100.3% | $4,092+131.3% | $6,396+47.9% |
| Admin fee / account holder | $5,392 | $8,807-38.8% | $7,578-28.9% | $12,562-57.1% |