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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 | $61,605 | $106,749-42.3% | $145,433-57.6% | $82,448-25.3% |
| Participation rate | 98.6% | 75.6%+22.9pp | 82.1%+16.5pp | 68.1%+30.5pp |
| Annual return | 13.35% | 27.59%-14.2pp | 66.58%-53.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $2,573 | $3,444-25.3% | $4,554-43.5% | $2,551+0.9% |
| Participant deferral / active EE | $3,912 | $6,519-40.0% | $7,897-50.5% | $4,139-5.5% |
| Admin fee / account holder | $3,366 | $8,390-59.9% | $13,129-74.4% | $7,234-53.5% |