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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 | $72,471-24.1% | $94,215-41.6% | $86,983-36.8% |
| Participation rate | 90.7% | 63.9%+26.9pp | 70.0%+20.8pp | 69.5%+21.2pp |
| Annual return | 11.13% | 26.44%-15.3pp | 28.22%-17.1pp | 25.83%-14.7pp |
| Employer contribution / active EE | $2,207 | $1,936+14.0% | $2,675-17.5% | $2,584-14.6% |
| Participant deferral / active EE | $4,436 | $3,397+30.6% | $4,276+3.7% | $4,194+5.8% |
| Admin fee / account holder | $2,323 | $6,468-64.1% | $10,216-77.3% | $7,856-70.4% |