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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 | $56,992 | $80,985-29.6% | $96,576-41.0% | $75,181-24.2% |
| Participation rate | 88.9% | 71.8%+17.1pp | 76.0%+12.9pp | 67.2%+21.7pp |
| Annual return | 6.83% | 27.05%-20.2pp | 25.87%-19.0pp | 160.69%-153.9pp |
| Employer contribution / active EE | $1,976 | $2,282-13.4% | $2,965-33.3% | $2,671-26.0% |
| Participant deferral / active EE | $3,184 | $3,929-19.0% | $4,851-34.4% | $4,126-22.8% |
| Admin fee / account holder | $7,101 | $6,719+5.7% | $8,253-14.0% | $5,650+25.7% |