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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 | $49,026 | $66,764-26.6% | $88,497-44.6% | $62,881-22.0% |
| Participation rate | 96.3% | 77.3%+19.0pp | 82.4%+13.9pp | 69.3%+27.0pp |
| Annual return | -7.16% | 10.37%-17.5pp | 7.63%-14.8pp | 20.14%-27.3pp |
| Employer contribution / active EE | $3,403 | $3,077+10.6% | $4,036-15.7% | $2,281+49.2% |
| Participant deferral / active EE | $3,260 | $3,976-18.0% | $4,899-33.5% | $3,203+1.8% |
| Admin fee / account holder | $1,874 | $4,668-59.9% | $6,220-69.9% | $4,296-56.4% |