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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 | $106,749-27.0% | $145,433-46.5% | $82,448-5.5% |
| Participation rate | 96.6% | 75.6%+20.9pp | 82.1%+14.4pp | 68.1%+28.5pp |
| Annual return | 13.02% | 27.59%-14.6pp | 66.58%-53.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $2,217 | $3,444-35.6% | $4,554-51.3% | $2,551-13.1% |
| Participant deferral / active EE | $3,361 | $6,519-48.4% | $7,897-57.4% | $4,139-18.8% |
| Admin fee / account holder | $1,880 | $8,390-77.6% | $13,129-85.7% | $7,234-74.0% |