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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 | $66,780 | $87,166-23.4% | $76,735-13.0% | $137,256-51.3% |
| Participation rate | 70.8% | 74.4%-3.5pp | 69.5%+1.3pp | 80.0%-9.1pp |
| Annual return | 10.20% | 26.50%-16.3pp | 29.77%-19.6pp | 220.34%-210.1pp |
| Employer contribution / active EE | $835 | $2,904-71.2% | $2,454-66.0% | $4,156-79.9% |
| Participant deferral / active EE | $3,319 | $4,726-29.8% | $4,088-18.8% | $6,407-48.2% |
| Admin fee / account holder | $8,733 | $8,403+3.9% | $7,189+21.5% | $12,270-28.8% |