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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 | $64,704 | $106,749-39.4% | $145,433-55.5% | $82,448-21.5% |
| Participation rate | 88.1% | 75.6%+12.4pp | 82.1%+6.0pp | 68.1%+20.0pp |
| Annual return | 12.69% | 27.59%-14.9pp | 66.58%-53.9pp | 41.64%-28.9pp |
| Employer contribution / active EE | $3,042 | $3,444-11.7% | $4,554-33.2% | $2,551+19.2% |
| Participant deferral / active EE | $5,357 | $6,519-17.8% | $7,897-32.2% | $4,139+29.4% |
| Admin fee / account holder | $2,517 | $8,390-70.0% | $13,129-80.8% | $7,234-65.2% |