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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 | $41,293 | $63,082-34.5% | $81,716-49.5% | $79,852-48.3% |
| Participation rate | 75.0% | 67.5%+7.5pp | 72.0%+3.0pp | 69.6%+5.4pp |
| Annual return | 9.31% | 22.66%-13.4pp | 29.49%-20.2pp | 31.72%-22.4pp |
| Employer contribution / active EE | $2,736 | $1,795+52.4% | $4,310-36.5% | $2,471+10.7% |
| Participant deferral / active EE | $4,804 | $2,780+72.8% | $7,108-32.4% | $3,740+28.4% |
| Admin fee / account holder | $4,300 | $4,428-2.9% | $5,159-16.6% | $5,306-19.0% |