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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 | $38,571 | $78,015-50.6% | $178,505-78.4% | $80,959-52.4% |
| Participation rate | 89.4% | 65.7%+23.7pp | 77.1%+12.2pp | 67.7%+21.7pp |
| Annual return | 9.02% | 18.10%-9.1pp | 27.16%-18.1pp | 35.67%-26.7pp |
| Employer contribution / active EE | $2,632 | $2,281+15.4% | $3,955-33.4% | $2,757-4.5% |
| Participant deferral / active EE | $3,274 | $4,406-25.7% | $6,280-47.9% | $4,300-23.9% |
| Admin fee / account holder | $6,673 | $7,160-6.8% | $10,428-36.0% | $6,925-3.6% |