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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 | $58,657 | $81,358-27.9% | $155,556-62.3% | $80,959-27.5% |
| Participation rate | 92.9% | 66.3%+26.6pp | 78.2%+14.6pp | 67.7%+25.2pp |
| Annual return | 10.18% | 33.39%-23.2pp | 64.84%-54.7pp | 35.67%-25.5pp |
| Employer contribution / active EE | $3,266 | $3,106+5.1% | $4,675-30.1% | $2,757+18.5% |
| Participant deferral / active EE | $3,004 | $3,455-13.1% | $5,631-46.6% | $4,300-30.1% |
| Admin fee / account holder | $9,512 | $7,994+19.0% | $15,885-40.1% | $6,925+37.4% |