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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 | $40,193 | $72,027-44.2% | $185,861-78.4% | $79,856-49.7% |
| Participation rate | 71.9% | 65.8%+6.1pp | 78.0%-6.2pp | 69.6%+2.2pp |
| Annual return | 8.64% | 23.13%-14.5pp | 35.96%-27.3pp | 31.71%-23.1pp |
| Employer contribution / active EE | $1,179 | $1,965-40.0% | $4,088-71.1% | $2,471-52.3% |
| Participant deferral / active EE | $3,072 | $3,780-18.7% | $5,634-45.5% | $3,741-17.9% |
| Admin fee / account holder | $2,634 | $4,513-41.6% | $9,503-72.3% | $5,306-50.4% |