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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 | $75,602 | $72,273+4.6% | $101,275-25.3% | $79,856-5.3% |
| Participation rate | 96.6% | 68.5%+28.1pp | 75.8%+20.7pp | 69.6%+26.9pp |
| Annual return | 8.53% | 22.30%-13.8pp | 46.48%-38.0pp | 31.71%-23.2pp |
| Employer contribution / active EE | $2,756 | $2,691+2.4% | $3,660-24.7% | $2,471+11.5% |
| Participant deferral / active EE | $4,641 | $3,282+41.4% | $4,371+6.2% | $3,741+24.1% |
| Admin fee / account holder | $21,287 | $4,401+383.6% | $5,948+257.9% | $5,306+301.2% |