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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 | $69,705 | $81,487-14.5% | $102,412-31.9% | $80,935-13.9% |
| Participation rate | 93.3% | 66.8%+26.5pp | 74.5%+18.8pp | 67.7%+25.7pp |
| Annual return | 6.33% | 25.60%-19.3pp | 24.94%-18.6pp | 35.66%-29.3pp |
| Employer contribution / active EE | $2,731 | $3,103-12.0% | $3,870-29.4% | $2,757-0.9% |
| Participant deferral / active EE | $3,173 | $3,871-18.0% | $5,060-37.3% | $4,299-26.2% |
| Admin fee / account holder | $641 | $6,717-90.5% | $8,388-92.4% | $6,924-90.7% |