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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 | $56,376 | $48,078+17.3% | $78,676-28.3% | $62,881-10.3% |
| Participation rate | 73.1% | 65.2%+7.9pp | 73.6%-0.5pp | 69.3%+3.8pp |
| Annual return | 3.72% | 31.36%-27.6pp | 62.19%-58.5pp | 20.14%-16.4pp |
| Employer contribution / active EE | $2,217 | $2,015+10.0% | $2,850-22.2% | $2,281-2.8% |
| Participant deferral / active EE | $3,506 | $2,587+35.5% | $3,517-0.3% | $3,203+9.5% |
| Admin fee / account holder | $1,453 | $3,206-54.7% | $4,510-67.8% | $4,296-66.2% |