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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 | $62,062 | $86,949-28.6% | $102,460-39.4% | $80,959-23.3% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 8.49% | 18.89%-10.4pp | 29.47%-21.0pp | 35.67%-27.2pp |
| Employer contribution / active EE | $3,210 | $2,370+35.4% | $3,025+6.1% | $2,757+16.4% |
| Participant deferral / active EE | $3,345 | $4,121-18.8% | $5,056-33.9% | $4,300-22.2% |
| Admin fee / account holder | $5,629 | $8,048-30.1% | $9,460-40.5% | $6,925-18.7% |