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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 | $58,237 | $106,524-45.3% | $152,301-61.8% | $87,485-33.4% |
| Participation rate | 95.8% | 75.8%+20.1pp | 82.4%+13.4pp | 68.9%+26.9pp |
| Annual return | 10.63% | 26.89%-16.3pp | 80.50%-69.9pp | 26.06%-15.4pp |
| Employer contribution / active EE | $5,017 | $3,371+48.8% | $4,624+8.5% | $2,596+93.2% |
| Participant deferral / active EE | $8,688 | $6,525+33.2% | $8,004+8.6% | $4,274+103.3% |
| Admin fee / account holder | $7,765 | $8,287-6.3% | $14,398-46.1% | $7,775-0.1% |