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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 | $51,546 | $81,358-36.6% | $155,556-66.9% | $80,959-36.3% |
| Participation rate | 88.5% | 66.3%+22.2pp | 78.2%+10.2pp | 67.7%+20.8pp |
| Annual return | 7.44% | 33.39%-25.9pp | 64.84%-57.4pp | 35.67%-28.2pp |
| Employer contribution / active EE | $2,020 | $3,106-35.0% | $4,675-56.8% | $2,757-26.7% |
| Participant deferral / active EE | $3,563 | $3,455+3.1% | $5,631-36.7% | $4,300-17.1% |
| Admin fee / account holder | $5,035 | $7,994-37.0% | $15,885-68.3% | $6,925-27.3% |