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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 | $72,157 | $72,273-0.2% | $101,275-28.8% | $79,856-9.6% |
| Participation rate | 98.0% | 68.5%+29.5pp | 75.8%+22.2pp | 69.6%+28.3pp |
| Annual return | 5.18% | 22.30%-17.1pp | 46.48%-41.3pp | 31.71%-26.5pp |
| Employer contribution / active EE | $3,336 | $2,691+24.0% | $3,660-8.8% | $2,471+35.0% |
| Participant deferral / active EE | $2,679 | $3,282-18.4% | $4,371-38.7% | $3,741-28.4% |
| Admin fee / account holder | $1,286 | $4,401-70.8% | $5,948-78.4% | $5,306-75.8% |