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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 | $36,560 | $108,825-66.4% | $156,181-76.6% | $82,448-55.7% |
| Participation rate | 97.6% | 72.4%+25.3pp | 78.8%+18.8pp | 68.1%+29.6pp |
| Annual return | 11.23% | 20.59%-9.4pp | 64.87%-53.6pp | 41.64%-30.4pp |
| Employer contribution / active EE | $2,674 | $2,870-6.8% | $4,294-37.7% | $2,551+4.8% |
| Participant deferral / active EE | $2,097 | $4,577-54.2% | $6,132-65.8% | $4,139-49.3% |
| Admin fee / account holder | $1,408 | $9,341-84.9% | $14,586-90.3% | $7,234-80.5% |