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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 | $91,257 | $114,712-20.4% | $173,730-47.5% | $87,485+4.3% |
| Participation rate | 93.5% | 73.0%+20.5pp | 79.6%+13.9pp | 68.9%+24.5pp |
| Annual return | 3.18% | 20.18%-17.0pp | 19.96%-16.8pp | 26.06%-22.9pp |
| Employer contribution / active EE | $1,386 | $2,904-52.3% | $4,577-69.7% | $2,596-46.6% |
| Participant deferral / active EE | $6,947 | $4,642+49.7% | $6,326+9.8% | $4,274+62.6% |
| Admin fee / account holder | $12,205 | $10,210+19.5% | $17,523-30.3% | $7,775+57.0% |