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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 | $48,460 | $78,672-38.4% | $109,163-55.6% | $85,856-43.6% |
| Participation rate | 95.8% | 68.3%+27.6pp | 75.9%+20.0pp | 69.3%+26.5pp |
| Annual return | 10.28% | 25.09%-14.8pp | 25.75%-15.5pp | 318.58%-308.3pp |
| Employer contribution / active EE | $1,845 | $2,734-32.5% | $3,723-50.4% | $2,565-28.1% |
| Participant deferral / active EE | $3,054 | $3,467-11.9% | $4,654-34.4% | $3,952-22.7% |
| Admin fee / account holder | $1,112 | $5,470-79.7% | $6,754-83.5% | $6,261-82.2% |