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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 | $72,018 | $77,472-7.0% | $100,415-28.3% | $80,959-11.0% |
| Participation rate | 86.8% | 76.9%+9.9pp | 81.5%+5.3pp | 67.7%+19.2pp |
| Annual return | 8.40% | 37.26%-28.9pp | 49.47%-41.1pp | 35.67%-27.3pp |
| Employer contribution / active EE | $1,883 | $2,800-32.8% | $3,943-52.2% | $2,757-31.7% |
| Participant deferral / active EE | $6,359 | $6,818-6.7% | $8,091-21.4% | $4,300+47.9% |
| Admin fee / account holder | $1,401 | $5,885-76.2% | $7,906-82.3% | $6,925-79.8% |