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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 | $77,875 | $106,524-26.9% | $152,301-48.9% | $87,485-11.0% |
| Participation rate | 96.6% | 75.8%+20.8pp | 82.4%+14.1pp | 68.9%+27.6pp |
| Annual return | 13.02% | 26.89%-13.9pp | 80.50%-67.5pp | 26.06%-13.0pp |
| Employer contribution / active EE | $2,217 | $3,371-34.3% | $4,624-52.1% | $2,596-14.6% |
| Participant deferral / active EE | $3,361 | $6,525-48.5% | $8,004-58.0% | $4,274-21.3% |
| Admin fee / account holder | $1,880 | $8,287-77.3% | $14,398-86.9% | $7,775-75.8% |