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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 | $51,628 | $110,212-53.2% | $96,534-46.5% | $139,466-63.0% |
| Participation rate | 89.5% | 78.1%+11.4pp | 76.0%+13.5pp | 80.3%+9.1pp |
| Annual return | 8.70% | 26.42%-17.7pp | 25.88%-17.2pp | 373.66%-365.0pp |
| Employer contribution / active EE | $1,538 | $3,620-57.5% | $2,965-48.2% | $4,754-67.7% |
| Participant deferral / active EE | $2,320 | $5,547-58.2% | $4,851-52.2% | $6,712-65.4% |
| Admin fee / account holder | $3,609 | $11,599-68.9% | $8,253-56.3% | $11,409-68.4% |