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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 | $37,708 | $95,453-60.5% | $112,040-66.3% | $82,448-54.3% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 10.57% | 23.92%-13.3pp | 24.52%-13.9pp | 41.64%-31.1pp |
| Employer contribution / active EE | $2,982 | $2,318+28.6% | $2,954+0.9% | $2,551+16.9% |
| Participant deferral / active EE | $5,423 | $4,224+28.4% | $5,098+6.4% | $4,139+31.0% |
| Admin fee / account holder | $3,070 | $9,013-65.9% | $12,098-74.6% | $7,234-57.6% |