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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 | $42,545 | $81,358-47.7% | $155,556-72.6% | $80,959-47.4% |
| Participation rate | 94.1% | 66.3%+27.9pp | 78.2%+15.9pp | 67.7%+26.4pp |
| Annual return | 9.71% | 33.39%-23.7pp | 64.84%-55.1pp | 35.67%-26.0pp |
| Employer contribution / active EE | $2,035 | $3,106-34.5% | $4,675-56.5% | $2,757-26.2% |
| Participant deferral / active EE | $6,655 | $3,455+92.6% | $5,631+18.2% | $4,300+54.8% |
| Admin fee / account holder | $1,410 | $7,994-82.4% | $15,885-91.1% | $6,925-79.6% |