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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 | $57,493 | $81,358-29.3% | $155,556-63.0% | $80,959-29.0% |
| Participation rate | 84.4% | 66.3%+18.1pp | 78.2%+6.2pp | 67.7%+16.7pp |
| Annual return | 10.09% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $7,374 | $3,106+137.4% | $4,675+57.7% | $2,757+167.5% |
| Participant deferral / active EE | $6,886 | $3,455+99.3% | $5,631+22.3% | $4,300+60.1% |
| Admin fee / account holder | $2,597 | $7,994-67.5% | $15,885-83.7% | $6,925-62.5% |