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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 | $68,228 | $72,272-5.6% | $101,264-32.6% | $79,858-14.6% |
| Participation rate | 78.6% | 68.5%+10.1pp | 75.8%+2.8pp | 69.6%+8.9pp |
| Annual return | 5.27% | 22.30%-17.0pp | 46.48%-41.2pp | 31.72%-26.4pp |
| Employer contribution / active EE | $2,266 | $2,692-15.8% | $3,660-38.1% | $2,471-8.3% |
| Participant deferral / active EE | $5,797 | $3,282+76.6% | $4,370+32.6% | $3,740+55.0% |
| Admin fee / account holder | $1,319 | $4,401-70.0% | $5,947-77.8% | $5,306-75.2% |