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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 | $49,580 | $56,894-12.9% | $84,753-41.5% | $62,881-21.2% |
| Participation rate | 96.7% | 68.5%+28.1pp | 76.6%+20.1pp | 69.3%+27.4pp |
| Annual return | 3.17% | 6.30%-3.1pp | 22.78%-19.6pp | 20.14%-17.0pp |
| Employer contribution / active EE | $8,867 | $2,400+269.5% | $3,574+148.1% | $2,281+288.7% |
| Participant deferral / active EE | $1,733 | $2,709-36.0% | $3,712-53.3% | $3,203-45.9% |
| Admin fee / account holder | $1,979 | $3,581-44.7% | $5,333-62.9% | $4,296-53.9% |