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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 | $74,643 | $135,956-45.1% | $123,894-39.8% | $273,970-72.8% |
| Participation rate | 89.5% | 84.1%+5.4pp | 81.4%+8.1pp | 83.0%+6.5pp |
| Annual return | 2.26% | 56.63%-54.4pp | 47.52%-45.3pp | 41.46%-39.2pp |
| Employer contribution / active EE | $5,585 | $5,170+8.0% | $4,617+21.0% | $4,869+14.7% |
| Participant deferral / active EE | $3,198 | $6,343-49.6% | $5,984-46.6% | $5,287-39.5% |
| Admin fee / account holder | $948 | $9,817-90.3% | $8,357-88.7% | $10,132-90.6% |