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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 | $44,493 | $60,349-26.3% | $74,184-40.0% | $62,881-29.2% |
| Participation rate | 78.9% | 72.7%+6.2pp | 76.6%+2.3pp | 69.3%+9.6pp |
| Annual return | 4.24% | 21.38%-17.1pp | 17.74%-13.5pp | 20.14%-15.9pp |
| Employer contribution / active EE | $1,546 | $1,680-8.0% | $2,370-34.8% | $2,281-32.2% |
| Participant deferral / active EE | $2,863 | $2,856+0.2% | $3,550-19.3% | $3,203-10.6% |
| Admin fee / account holder | $4,928 | $4,261+15.7% | $5,586-11.8% | $4,296+14.7% |