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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 | $40,574 | $135,956-70.2% | $123,894-67.3% | $273,972-85.2% |
| Participation rate | 90.9% | 84.1%+6.8pp | 81.4%+9.5pp | 83.0%+7.9pp |
| Annual return | 2.05% | 56.63%-54.6pp | 47.52%-45.5pp | 41.46%-39.4pp |
| Employer contribution / active EE | $4,686 | $5,170-9.4% | $4,617+1.5% | $4,869-3.7% |
| Participant deferral / active EE | $4,157 | $6,343-34.5% | $5,984-30.5% | $5,287-21.4% |
| Admin fee / account holder | $920 | $9,817-90.6% | $8,357-89.0% | $10,133-90.9% |