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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 | $51,665 | $106,864-51.7% | $147,318-64.9% | $82,637-37.5% |
| Participation rate | 83.3% | 75.5%+7.8pp | 82.1%+1.3pp | 68.1%+15.3pp |
| Annual return | 11.33% | 27.49%-16.2pp | 70.43%-59.1pp | 53.51%-42.2pp |
| Employer contribution / active EE | $3,797 | $3,417+11.1% | $4,593-17.3% | $2,552+48.8% |
| Participant deferral / active EE | $5,663 | $6,496-12.8% | $7,906-28.4% | $4,126+37.3% |
| Admin fee / account holder | $967 | $8,415-88.5% | $13,708-92.9% | $7,339-86.8% |