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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 | $42,254 | $48,327-12.6% | $67,575-37.5% | $80,935-47.8% |
| Participation rate | 84.0% | 66.4%+17.5pp | 72.9%+11.0pp | 67.7%+16.3pp |
| Annual return | 10.39% | 18.31%-7.9pp | 3528.98%-3518.6pp | 35.66%-25.3pp |
| Employer contribution / active EE | $2,240 | $2,022+10.8% | $2,736-18.1% | $2,757-18.7% |
| Participant deferral / active EE | $1,703 | $2,927-41.8% | $4,003-57.5% | $4,299-60.4% |
| Admin fee / account holder | $5,790 | $3,692+56.8% | $3,993+45.0% | $6,924-16.4% |