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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 | $53,253 | $43,075+23.6% | $74,577-28.6% | $62,881-15.3% |
| Participation rate | 98.2% | 58.1%+40.1pp | 68.1%+30.1pp | 69.3%+28.9pp |
| Annual return | 3.67% | 17.50%-13.8pp | 20.47%-16.8pp | 20.14%-16.5pp |
| Employer contribution / active EE | $3,916 | $1,498+161.5% | $2,525+55.1% | $2,281+71.7% |
| Participant deferral / active EE | $2,520 | $2,389+5.5% | $3,458-27.1% | $3,203-21.3% |
| Admin fee / account holder | $973 | $2,840-65.7% | $4,138-76.5% | $4,296-77.3% |