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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 | $72,686 | $81,358-10.7% | $155,556-53.3% | $80,959-10.2% |
| Participation rate | 70.7% | 66.3%+4.5pp | 78.2%-7.5pp | 67.7%+3.1pp |
| Annual return | 9.73% | 33.39%-23.7pp | 64.84%-55.1pp | 35.67%-25.9pp |
| Employer contribution / active EE | $2,204 | $3,106-29.0% | $4,675-52.9% | $2,757-20.1% |
| Participant deferral / active EE | $5,275 | $3,455+52.6% | $5,631-6.3% | $4,300+22.7% |
| Admin fee / account holder | $12,932 | $7,994+61.8% | $15,885-18.6% | $6,925+86.7% |