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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 | $69,444-20.8% | $92,985-40.9% | $87,485-37.1% |
| Participation rate | 90.7% | 63.3%+27.5pp | 69.5%+21.3pp | 68.9%+21.8pp |
| Annual return | 11.13% | 23.85%-12.7pp | 27.99%-16.9pp | 26.06%-14.9pp |
| Employer contribution / active EE | $2,207 | $1,917+15.1% | $2,662-17.1% | $2,596-15.0% |
| Participant deferral / active EE | $4,436 | $3,364+31.9% | $4,377+1.4% | $4,274+3.8% |
| Admin fee / account holder | $2,323 | $6,137-62.1% | $9,463-75.5% | $7,775-70.1% |