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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 | $42,172 | $81,331-48.1% | $155,534-72.9% | $80,935-47.9% |
| Participation rate | 96.6% | 66.3%+30.3pp | 78.2%+18.3pp | 67.7%+28.9pp |
| Annual return | 7.81% | 33.37%-25.6pp | 64.92%-57.1pp | 35.66%-27.9pp |
| Employer contribution / active EE | $2,578 | $3,105-17.0% | $4,675-44.8% | $2,757-6.5% |
| Participant deferral / active EE | $6,387 | $3,454+84.9% | $5,630+13.4% | $4,299+48.6% |
| Admin fee / account holder | $2,457 | $7,999-69.3% | $15,900-84.5% | $6,924-64.5% |