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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 | $42,436 | $67,411-37.0% | $91,004-53.4% | $70,126-39.5% |
| Participation rate | 96.0% | 71.4%+24.6pp | 75.6%+20.4pp | 69.5%+26.5pp |
| Annual return | 11.19% | -40.16%+51.4pp | 4.60%+6.6pp | 73.15%-62.0pp |
| Employer contribution / active EE | $1,688 | $1,786-5.5% | $2,456-31.3% | $2,343-27.9% |
| Participant deferral / active EE | $2,394 | $2,823-15.2% | $3,548-32.5% | $3,332-28.1% |
| Admin fee / account holder | $1,344 | $4,236-68.3% | $5,417-75.2% | $4,645-71.1% |