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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 | $59,595 | $67,411-11.6% | $91,004-34.5% | $70,126-15.0% |
| Participation rate | 91.7% | 71.4%+20.3pp | 75.6%+16.1pp | 69.5%+22.1pp |
| Annual return | 12.08% | -40.16%+52.2pp | 4.60%+7.5pp | 73.15%-61.1pp |
| Employer contribution / active EE | $1,322 | $1,786-26.0% | $2,456-46.2% | $2,343-43.6% |
| Participant deferral / active EE | $1,620 | $2,823-42.6% | $3,548-54.3% | $3,332-51.4% |
| Admin fee / account holder | $3,229 | $4,236-23.8% | $5,417-40.4% | $4,645-30.5% |