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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 | $77,578 | $96,731-19.8% | $123,973-37.4% | $86,983-10.8% |
| Participation rate | 79.4% | 70.0%+9.4pp | 76.7%+2.8pp | 69.5%+9.9pp |
| Annual return | 11.26% | 17.33%-6.1pp | 388.13%-376.9pp | 25.83%-14.6pp |
| Employer contribution / active EE | $2,010 | $3,297-39.0% | $4,126-51.3% | $2,584-22.2% |
| Participant deferral / active EE | $3,974 | $4,152-4.3% | $5,247-24.3% | $4,194-5.2% |
| Admin fee / account holder | $9,324 | $8,722+6.9% | $11,799-21.0% | $7,856+18.7% |