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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 | $85,509 | $97,648-12.4% | $121,663-29.7% | $87,485-2.3% |
| Participation rate | 76.0% | 70.5%+5.5pp | 74.5%+1.5pp | 68.9%+7.1pp |
| Annual return | 9.35% | 18.03%-8.7pp | 147.54%-138.2pp | 26.06%-16.7pp |
| Employer contribution / active EE | $0 | $2,300-100.0% | $3,020-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,893 | $3,923-26.3% | $4,887-40.8% | $4,274-32.3% |
| Admin fee / account holder | $12,769 | $11,100+15.0% | $14,289-10.6% | $7,775+64.2% |