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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 | $80,848 | $63,082+28.2% | $81,716-1.1% | $79,852+1.2% |
| Participation rate | 73.7% | 67.5%+6.2pp | 72.0%+1.7pp | 69.6%+4.0pp |
| Annual return | 4.64% | 22.66%-18.0pp | 29.49%-24.9pp | 31.72%-27.1pp |
| Employer contribution / active EE | $367 | $1,795-79.6% | $4,310-91.5% | $2,471-85.2% |
| Participant deferral / active EE | $2,397 | $2,780-13.8% | $7,108-66.3% | $3,740-35.9% |
| Admin fee / account holder | $1,321 | $4,428-70.2% | $5,159-74.4% | $5,306-75.1% |