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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 | $73,182 | $77,358-5.4% | $102,184-28.4% | $87,485-16.3% |
| Participation rate | 75.0% | 78.7%-3.7pp | 82.6%-7.6pp | 68.9%+6.1pp |
| Annual return | 13.76% | 41.11%-27.3pp | 31.58%-17.8pp | 26.06%-12.3pp |
| Employer contribution / active EE | $2,221 | $2,562-13.3% | $3,594-38.2% | $2,596-14.4% |
| Participant deferral / active EE | $4,405 | $6,753-34.8% | $8,309-47.0% | $4,274+3.1% |
| Admin fee / account holder | $827 | $6,809-87.9% | $11,609-92.9% | $7,775-89.4% |