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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 | $97,550-61.3% | $120,344-68.7% | $87,485-56.9% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 10.57% | 18.41%-7.8pp | 20.30%-9.7pp | 26.06%-15.5pp |
| Employer contribution / active EE | $2,982 | $2,291+30.2% | $3,020-1.3% | $2,596+14.8% |
| Participant deferral / active EE | $5,423 | $4,230+28.2% | $5,135+5.6% | $4,274+26.9% |
| Admin fee / account holder | $3,070 | $9,543-67.8% | $12,742-75.9% | $7,775-60.5% |