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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 | $61,819 | $56,894+8.7% | $84,753-27.1% | $62,881-1.7% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 3.32% | 6.30%-3.0pp | 22.78%-19.5pp | 20.14%-16.8pp |
| Employer contribution / active EE | $5,441 | $2,400+126.7% | $3,574+52.2% | $2,281+138.6% |
| Participant deferral / active EE | $3,536 | $2,709+30.5% | $3,712-4.7% | $3,203+10.4% |
| Admin fee / account holder | $734 | $3,581-79.5% | $5,333-86.2% | $4,296-82.9% |