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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 | $54,996 | $58,627-6.2% | $76,735-28.3% | $82,448-33.3% |
| Participation rate | 90.7% | 63.2%+27.5pp | 69.5%+21.2pp | 68.1%+22.7pp |
| Annual return | 11.13% | 39.10%-28.0pp | 29.77%-18.6pp | 41.64%-30.5pp |
| Employer contribution / active EE | $2,207 | $1,729+27.6% | $2,454-10.1% | $2,551-13.5% |
| Participant deferral / active EE | $4,436 | $3,134+41.6% | $4,088+8.5% | $4,139+7.2% |
| Admin fee / account holder | $2,323 | $5,323-56.4% | $7,189-67.7% | $7,234-67.9% |