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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 | $106,864-42.4% | $147,318-58.2% | $82,637-25.5% |
| Participation rate | 98.6% | 75.5%+23.1pp | 82.1%+16.5pp | 68.1%+30.5pp |
| Annual return | 13.35% | 27.49%-14.1pp | 70.43%-57.1pp | 53.51%-40.2pp |
| Employer contribution / active EE | $2,573 | $3,417-24.7% | $4,593-44.0% | $2,552+0.8% |
| Participant deferral / active EE | $3,912 | $6,496-39.8% | $7,906-50.5% | $4,126-5.2% |
| Admin fee / account holder | $3,366 | $8,415-60.0% | $13,708-75.4% | $7,339-54.1% |