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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 | $48,414 | $81,358-40.5% | $155,556-68.9% | $80,959-40.2% |
| Participation rate | 91.7% | 66.3%+25.4pp | 78.2%+13.4pp | 67.7%+24.0pp |
| Annual return | 10.04% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,246 | $3,106-59.9% | $4,675-73.4% | $2,757-54.8% |
| Participant deferral / active EE | $6,102 | $3,455+76.6% | $5,631+8.4% | $4,300+41.9% |
| Admin fee / account holder | $2,738 | $7,994-65.8% | $15,885-82.8% | $6,925-60.5% |