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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 | $49,599 | $54,757-9.4% | $90,304-45.1% | $72,975-32.0% |
| Participation rate | 87.9% | 65.2%+22.7pp | 73.3%+14.6pp | 69.5%+18.4pp |
| Annual return | 4.90% | 30.63%-25.7pp | 78.13%-73.2pp | 81.01%-76.1pp |
| Employer contribution / active EE | $1,657 | $2,093-20.8% | $2,855-42.0% | $2,440-32.1% |
| Participant deferral / active EE | $2,564 | $2,887-11.2% | $3,885-34.0% | $3,608-28.9% |
| Admin fee / account holder | $621 | $3,973-84.4% | $5,354-88.4% | $5,124-87.9% |