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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 | $49,614 | $76,407-35.1% | $150,298-67.0% | $82,448-39.8% |
| Participation rate | 93.9% | 66.4%+27.5pp | 77.8%+16.2pp | 68.1%+25.9pp |
| Annual return | 10.40% | 39.99%-29.6pp | 62.79%-52.4pp | 41.64%-31.2pp |
| Employer contribution / active EE | $2,606 | $2,614-0.3% | $4,154-37.3% | $2,551+2.1% |
| Participant deferral / active EE | $2,264 | $3,214-29.6% | $5,453-58.5% | $4,139-45.3% |
| Admin fee / account holder | $6,121 | $6,352-3.6% | $14,116-56.6% | $7,234-15.4% |