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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 | $60,396 | $97,550-38.1% | $120,344-49.8% | $87,485-31.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 4.47% | 18.41%-13.9pp | 20.30%-15.8pp | 26.06%-21.6pp |
| Employer contribution / active EE | $2,107 | $2,291-8.0% | $3,020-30.2% | $2,596-18.8% |
| Participant deferral / active EE | $3,853 | $4,230-8.9% | $5,135-25.0% | $4,274-9.8% |
| Admin fee / account holder | $3,985 | $9,543-58.2% | $12,742-68.7% | $7,775-48.7% |