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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 | $44,499 | $86,949-48.8% | $102,460-56.6% | $80,959-45.0% |
| Participation rate | 96.2% | 72.4%+23.8pp | 76.5%+19.7pp | 67.7%+28.6pp |
| Annual return | 10.33% | 18.89%-8.6pp | 29.47%-19.1pp | 35.67%-25.3pp |
| Employer contribution / active EE | $2,078 | $2,370-12.3% | $3,025-31.3% | $2,757-24.6% |
| Participant deferral / active EE | $2,293 | $4,121-44.4% | $5,056-54.7% | $4,300-46.7% |
| Admin fee / account holder | $1,955 | $8,048-75.7% | $9,460-79.3% | $6,925-71.8% |