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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 | $68,593 | $78,707-12.8% | $117,861-41.8% | $70,126-2.2% |
| Participation rate | 86.2% | 73.2%+13.0pp | 79.7%+6.5pp | 69.5%+16.7pp |
| Annual return | 12.21% | 23.30%-11.1pp | 335.11%-322.9pp | 73.15%-60.9pp |
| Employer contribution / active EE | $2,258 | $2,223+1.5% | $3,786-40.4% | $2,343-3.6% |
| Participant deferral / active EE | $3,550 | $3,297+7.7% | $4,482-20.8% | $3,332+6.5% |
| Admin fee / account holder | $2,497 | $5,066-50.7% | $8,021-68.9% | $4,645-46.3% |