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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 | $59,978 | $81,504-26.4% | $102,437-41.4% | $80,959-25.9% |
| Participation rate | 97.7% | 66.9%+30.8pp | 74.5%+23.2pp | 67.7%+30.0pp |
| Annual return | 7.32% | 25.60%-18.3pp | 24.95%-17.6pp | 35.67%-28.3pp |
| Employer contribution / active EE | $1,694 | $3,104-45.4% | $3,871-56.2% | $2,757-38.6% |
| Participant deferral / active EE | $4,491 | $3,871+16.0% | $5,060-11.2% | $4,300+4.4% |
| Admin fee / account holder | $759 | $6,719-88.7% | $8,388-91.0% | $6,925-89.0% |