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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 | $81,358-61.6% | $155,556-79.9% | $80,959-61.4% |
| Participation rate | 92.5% | 66.3%+26.2pp | 78.2%+14.3pp | 67.7%+24.8pp |
| Annual return | 7.62% | 33.39%-25.8pp | 64.84%-57.2pp | 35.67%-28.1pp |
| Employer contribution / active EE | $4,948 | $3,106+59.3% | $4,675+5.8% | $2,757+79.5% |
| Participant deferral / active EE | $6,320 | $3,455+82.9% | $5,631+12.2% | $4,300+47.0% |
| Admin fee / account holder | $5,697 | $7,994-28.7% | $15,885-64.1% | $6,925-17.7% |