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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 | $76,317 | $75,541+1.0% | $152,093-49.8% | $82,637-7.6% |
| Participation rate | 71.1% | 66.5%+4.5pp | 77.8%-6.7pp | 68.1%+3.0pp |
| Annual return | 10.82% | 32.56%-21.7pp | 66.36%-55.5pp | 53.51%-42.7pp |
| Employer contribution / active EE | $2,092 | $2,622-20.2% | $4,175-49.9% | $2,552-18.0% |
| Participant deferral / active EE | $5,350 | $3,206+66.9% | $5,451-1.9% | $4,126+29.7% |
| Admin fee / account holder | $649 | $6,405-89.9% | $14,497-95.5% | $7,339-91.2% |