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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 | $31,217 | $81,233-61.6% | $155,567-79.9% | $80,874-61.4% |
| Participation rate | 92.5% | 66.2%+26.3pp | 78.2%+14.3pp | 67.6%+24.9pp |
| Annual return | 7.62% | 33.33%-25.7pp | 64.74%-57.1pp | 35.62%-28.0pp |
| Employer contribution / active EE | $4,948 | $3,101+59.6% | $4,674+5.9% | $2,756+79.6% |
| Participant deferral / active EE | $6,320 | $3,452+83.1% | $5,628+12.3% | $4,297+47.1% |
| Admin fee / account holder | $5,697 | $7,998-28.8% | $15,916-64.2% | $6,935-17.9% |