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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 | $38,898 | $76,551-49.2% | $123,894-68.6% | $62,881-38.1% |
| Participation rate | 92.9% | 73.0%+19.9pp | 81.4%+11.4pp | 69.3%+23.6pp |
| Annual return | 3.61% | 18.68%-15.1pp | 47.52%-43.9pp | 20.14%-16.5pp |
| Employer contribution / active EE | $3,304 | $2,882+14.6% | $4,617-28.4% | $2,281+44.9% |
| Participant deferral / active EE | $6,144 | $4,840+27.0% | $5,984+2.7% | $3,203+91.8% |
| Admin fee / account holder | $1,177 | $4,826-75.6% | $8,357-85.9% | $4,296-72.6% |