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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 | $54,810 | $72,492-24.4% | $87,104-37.1% | $72,975-24.9% |
| Participation rate | 89.5% | 72.8%+16.7pp | 76.9%+12.6pp | 69.5%+20.0pp |
| Annual return | 9.02% | 24.46%-15.4pp | 28.19%-19.2pp | 81.01%-72.0pp |
| Employer contribution / active EE | $2,309 | $1,894+21.9% | $2,521-8.4% | $2,440-5.4% |
| Participant deferral / active EE | $4,087 | $3,270+25.0% | $4,048+1.0% | $3,608+13.3% |
| Admin fee / account holder | $959 | $5,055-81.0% | $7,491-87.2% | $5,124-81.3% |