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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 | $46,815 | $106,524-56.1% | $152,301-69.3% | $87,485-46.5% |
| Participation rate | 74.2% | 75.8%-1.6pp | 82.4%-8.3pp | 68.9%+5.3pp |
| Annual return | 12.44% | 26.89%-14.5pp | 80.50%-68.1pp | 26.06%-13.6pp |
| Employer contribution / active EE | $4,766 | $3,371+41.4% | $4,624+3.1% | $2,596+83.6% |
| Participant deferral / active EE | $2,527 | $6,525-61.3% | $8,004-68.4% | $4,274-40.9% |
| Admin fee / account holder | $1,163 | $8,287-86.0% | $14,398-91.9% | $7,775-85.0% |