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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 | $67,377 | $54,541+23.5% | $78,778-14.5% | $70,126-3.9% |
| Participation rate | 88.5% | 60.8%+27.7pp | 69.2%+19.3pp | 69.5%+18.9pp |
| Annual return | 12.20% | 21.07%-8.9pp | 35.62%-23.4pp | 73.15%-60.9pp |
| Employer contribution / active EE | $731 | $1,089-32.8% | $1,986-63.2% | $2,343-68.8% |
| Participant deferral / active EE | $4,422 | $2,210+100.1% | $2,958+49.5% | $3,332+32.7% |
| Admin fee / account holder | $7,907 | $3,709+113.2% | $5,134+54.0% | $4,645+70.2% |