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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 | $55,341 | $93,617-40.9% | $135,982-59.3% | $75,177-26.4% |
| Participation rate | 79.3% | 75.2%+4.1pp | 81.9%-2.6pp | 67.2%+12.1pp |
| Annual return | 14.55% | 30.89%-16.3pp | 68.32%-53.8pp | 160.75%-146.2pp |
| Employer contribution / active EE | $1,927 | $3,538-45.5% | $4,859-60.3% | $2,671-27.8% |
| Participant deferral / active EE | $5,429 | $6,406-15.2% | $7,760-30.0% | $4,126+31.6% |
| Admin fee / account holder | $884 | $6,980-87.3% | $10,767-91.8% | $5,651-84.4% |