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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 | $65,628 | $86,938-24.5% | $102,423-35.9% | $80,925-18.9% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 9.48% | 18.89%-9.4pp | 29.42%-19.9pp | 35.65%-26.2pp |
| Employer contribution / active EE | $4,616 | $2,369+94.8% | $3,023+52.7% | $2,756+67.5% |
| Participant deferral / active EE | $4,869 | $4,120+18.2% | $5,054-3.7% | $4,299+13.3% |
| Admin fee / account holder | $2,654 | $8,053-67.0% | $9,455-71.9% | $6,940-61.8% |