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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 | $79,592 | $81,358-2.2% | $155,556-48.8% | $80,959-1.7% |
| Participation rate | 75.0% | 66.3%+8.7pp | 78.2%-3.2pp | 67.7%+7.3pp |
| Annual return | 10.07% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $3,918 | $3,106+26.1% | $4,675-16.2% | $2,757+42.1% |
| Participant deferral / active EE | $3,124 | $3,455-9.6% | $5,631-44.5% | $4,300-27.4% |
| Admin fee / account holder | $2,750 | $7,994-65.6% | $15,885-82.7% | $6,925-60.3% |