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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 | $48,056 | $71,230-32.5% | $93,727-48.7% | $80,959-40.6% |
| Participation rate | 97.5% | 60.4%+37.1pp | 68.7%+28.8pp | 67.7%+29.8pp |
| Annual return | 9.09% | 11.26%-2.2pp | 133.83%-124.7pp | 35.67%-26.6pp |
| Employer contribution / active EE | $1,464 | $1,565-6.5% | $2,421-39.5% | $2,757-46.9% |
| Participant deferral / active EE | $5,192 | $4,037+28.6% | $4,417+17.5% | $4,300+20.7% |
| Admin fee / account holder | $2,394 | $6,961-65.6% | $8,292-71.1% | $6,925-65.4% |