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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 | $31,730 | $102,938-69.2% | $94,105-66.3% | $138,895-77.2% |
| Participation rate | 85.7% | 74.6%+11.1pp | 71.9%+13.8pp | 79.9%+5.8pp |
| Annual return | 9.66% | 250.28%-240.6pp | 204.55%-194.9pp | 145.39%-135.7pp |
| Employer contribution / active EE | $1,639 | $2,732-40.0% | $2,504-34.6% | $4,194-60.9% |
| Participant deferral / active EE | $3,320 | $4,196-20.9% | $3,881-14.5% | $6,396-48.1% |
| Admin fee / account holder | $8,120 | $6,600+23.0% | $6,199+31.0% | $12,562-35.4% |