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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 | $93,471 | $181,896-48.6% | $156,551-40.3% | $273,972-65.9% |
| Participation rate | 71.4% | 88.4%-17.0pp | 84.0%-12.6pp | 83.0%-11.6pp |
| Annual return | 2.65% | 30.74%-28.1pp | 32.23%-29.6pp | 41.46%-38.8pp |
| Employer contribution / active EE | $2,410 | $6,248-61.4% | $5,501-56.2% | $4,869-50.5% |
| Participant deferral / active EE | $3,777 | $5,550-31.9% | $4,871-22.5% | $5,287-28.6% |
| Admin fee / account holder | $453 | $15,560-97.1% | $13,028-96.5% | $10,133-95.5% |