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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 | $65,835 | $81,358-19.1% | $155,556-57.7% | $80,959-18.7% |
| Participation rate | 96.0% | 66.3%+29.7pp | 78.2%+17.8pp | 67.7%+28.3pp |
| Annual return | 9.66% | 33.39%-23.7pp | 64.84%-55.2pp | 35.67%-26.0pp |
| Employer contribution / active EE | $4,020 | $3,106+29.4% | $4,675-14.0% | $2,757+45.8% |
| Participant deferral / active EE | $4,234 | $3,455+22.5% | $5,631-24.8% | $4,300-1.5% |
| Admin fee / account holder | $1,300 | $7,994-83.7% | $15,885-91.8% | $6,925-81.2% |