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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 | $82,598 | $76,551+7.9% | $123,894-33.3% | $62,881+31.4% |
| Participation rate | 97.4% | 73.0%+24.5pp | 81.4%+16.0pp | 69.3%+28.1pp |
| Annual return | 2.59% | 18.68%-16.1pp | 47.52%-44.9pp | 20.14%-17.6pp |
| Employer contribution / active EE | $2,455 | $2,882-14.8% | $4,617-46.8% | $2,281+7.6% |
| Participant deferral / active EE | $3,909 | $4,840-19.2% | $5,984-34.7% | $3,203+22.0% |
| Admin fee / account holder | $7,222 | $4,826+49.7% | $8,357-13.6% | $4,296+68.1% |