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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 | $57,086 | $62,583-8.8% | $76,767-25.6% | $64,173-11.0% |
| Participation rate | 86.5% | 72.8%+13.7pp | 77.0%+9.5pp | 69.6%+16.9pp |
| Annual return | -8.51% | -1.95%-6.6pp | 2.43%-10.9pp | 7.63%-16.1pp |
| Employer contribution / active EE | $1,746 | $1,832-4.7% | $2,485-29.7% | $2,381-26.7% |
| Participant deferral / active EE | $3,114 | $3,145-1.0% | $3,852-19.2% | $3,470-10.3% |
| Admin fee / account holder | $1,698 | $4,667-63.6% | $6,675-74.6% | $4,887-65.3% |