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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 | $54,448 | $56,894-4.3% | $84,753-35.8% | $62,881-13.4% |
| Participation rate | 92.6% | 68.5%+24.1pp | 76.6%+16.0pp | 69.3%+23.3pp |
| Annual return | 2.68% | 6.30%-3.6pp | 22.78%-20.1pp | 20.14%-17.5pp |
| Employer contribution / active EE | $1,817 | $2,400-24.3% | $3,574-49.2% | $2,281-20.3% |
| Participant deferral / active EE | $4,001 | $2,709+47.7% | $3,712+7.8% | $3,203+24.9% |
| Admin fee / account holder | $10,783 | $3,581+201.1% | $5,333+102.2% | $4,296+151.0% |