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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 | $78,394 | $63,773+22.9% | $81,286-3.6% | $80,925-3.1% |
| Participation rate | 94.6% | 63.9%+30.7pp | 69.5%+25.1pp | 67.7%+26.9pp |
| Annual return | 7.55% | 16.37%-8.8pp | 24.80%-17.2pp | 35.65%-28.1pp |
| Employer contribution / active EE | $1,764 | $1,979-10.9% | $2,463-28.4% | $2,756-36.0% |
| Participant deferral / active EE | $5,658 | $3,093+82.9% | $3,883+45.7% | $4,299+31.6% |
| Admin fee / account holder | $955 | $5,682-83.2% | $5,764-83.4% | $6,940-86.2% |