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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 | $69,730 | $64,501+8.1% | $108,753-35.9% | $65,306+6.8% |
| Participation rate | 94.2% | 50.8%+43.4pp | 71.1%+23.1pp | 57.7%+36.5pp |
| Annual return | 10.74% | 21.09%-10.3pp | 37.47%-26.7pp | 21.94%-11.2pp |
| Employer contribution / active EE | $3,077 | $1,069+187.8% | $2,427+26.8% | $1,967+56.4% |
| Participant deferral / active EE | $1,455 | $2,401-39.4% | $4,115-64.6% | $2,959-50.8% |
| Admin fee / account holder | $3,900 | $4,971-21.5% | $10,320-62.2% | $3,480+12.1% |