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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 | $55,692 | $61,390-9.3% | $112,228-50.4% | $75,177-25.9% |
| Participation rate | 100.0% | 61.6%+38.4pp | 72.4%+27.6pp | 67.2%+32.8pp |
| Annual return | 11.85% | 28.47%-16.6pp | 30.23%-18.4pp | 160.75%-148.9pp |
| Employer contribution / active EE | $2,020 | $2,015+0.3% | $3,432-41.1% | $2,671-24.4% |
| Participant deferral / active EE | $2,343 | $3,108-24.6% | $4,800-51.2% | $4,126-43.2% |
| Admin fee / account holder | $2,961 | $4,862-39.1% | $7,752-61.8% | $5,651-47.6% |