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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 | $64,100 | $101,795-37.0% | $165,100-61.2% | $80,959-20.8% |
| Participation rate | 96.3% | 71.8%+24.5pp | 78.6%+17.7pp | 67.7%+28.6pp |
| Annual return | 8.44% | 16.73%-8.3pp | 70.21%-61.8pp | 35.67%-27.2pp |
| Employer contribution / active EE | $1,552 | $2,954-47.4% | $4,348-64.3% | $2,757-43.7% |
| Participant deferral / active EE | $5,093 | $4,476+13.8% | $6,035-15.6% | $4,300+18.4% |
| Admin fee / account holder | $2,629 | $8,221-68.0% | $12,696-79.3% | $6,925-62.0% |