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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 | $35,872 | $48,078-25.4% | $78,676-54.4% | $62,881-43.0% |
| Participation rate | 77.2% | 65.2%+12.0pp | 73.6%+3.6pp | 69.3%+7.9pp |
| Annual return | 0.57% | 31.36%-30.8pp | 62.19%-61.6pp | 20.14%-19.6pp |
| Employer contribution / active EE | $2,569 | $2,015+27.5% | $2,850-9.8% | $2,281+12.7% |
| Participant deferral / active EE | $5,409 | $2,587+109.1% | $3,517+53.8% | $3,203+68.9% |
| Admin fee / account holder | $1,894 | $3,206-40.9% | $4,510-58.0% | $4,296-55.9% |