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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 | $40,616 | $93,598-56.6% | $135,974-70.1% | $75,173-46.0% |
| Participation rate | 84.0% | 75.2%+8.8pp | 81.9%+2.1pp | 67.2%+16.8pp |
| Annual return | 13.23% | 30.89%-17.7pp | 68.30%-55.1pp | 160.72%-147.5pp |
| Employer contribution / active EE | $4,919 | $3,538+39.0% | $4,859+1.2% | $2,671+84.2% |
| Participant deferral / active EE | $3,483 | $6,405-45.6% | $7,760-55.1% | $4,126-15.6% |
| Admin fee / account holder | $1,937 | $6,978-72.2% | $10,767-82.0% | $5,651-65.7% |