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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 | $78,651 | $138,386-43.2% | $184,260-57.3% | $80,935-2.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 10.53% | 20.02%-9.5pp | 28.84%-18.3pp | 35.66%-25.1pp |
| Employer contribution / active EE | $3,376 | $4,851-30.4% | $6,427-47.5% | $2,757+22.5% |
| Participant deferral / active EE | $8,548 | $7,076+20.8% | $9,133-6.4% | $4,299+98.8% |
| Admin fee / account holder | $5,358 | $10,489-48.9% | $13,898-61.4% | $6,924-22.6% |