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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 | $84,156 | $76,551+9.9% | $123,894-32.1% | $62,881+33.8% |
| Participation rate | 72.4% | 73.0%-0.6pp | 81.4%-9.0pp | 69.3%+3.1pp |
| Annual return | -0.76% | 18.68%-19.4pp | 47.52%-48.3pp | 20.14%-20.9pp |
| Employer contribution / active EE | $2,231 | $2,882-22.6% | $4,617-51.7% | $2,281-2.2% |
| Participant deferral / active EE | $5,168 | $4,840+6.8% | $5,984-13.6% | $3,203+61.4% |
| Admin fee / account holder | $3,577 | $4,826-25.9% | $8,357-57.2% | $4,296-16.7% |