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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 | $78,436 | $56,894+37.9% | $84,753-7.5% | $62,881+24.7% |
| Participation rate | 91.9% | 68.5%+23.4pp | 76.6%+15.3pp | 69.3%+22.6pp |
| Annual return | -0.10% | 6.30%-6.4pp | 22.78%-22.9pp | 20.14%-20.2pp |
| Employer contribution / active EE | $1,049 | $2,400-56.3% | $3,574-70.6% | $2,281-54.0% |
| Participant deferral / active EE | $2,266 | $2,709-16.4% | $3,712-39.0% | $3,203-29.3% |
| Admin fee / account holder | $4,018 | $3,581+12.2% | $5,333-24.7% | $4,296-6.5% |