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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 | $38,808 | $57,590-32.6% | $86,233-55.0% | $82,448-52.9% |
| Participation rate | 93.3% | 57.9%+35.5pp | 69.0%+24.3pp | 68.1%+25.3pp |
| Annual return | 11.40% | 22.41%-11.0pp | 61.39%-50.0pp | 41.64%-30.2pp |
| Employer contribution / active EE | $2,843 | $1,655+71.8% | $2,504+13.5% | $2,551+11.5% |
| Participant deferral / active EE | $7,396 | $3,080+140.1% | $4,559+62.2% | $4,139+78.7% |
| Admin fee / account holder | $1,341 | $4,730-71.7% | $8,342-83.9% | $7,234-81.5% |