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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 | $54,763 | $86,940-37.0% | $102,434-46.5% | $80,935-32.3% |
| Participation rate | 81.8% | 72.4%+9.4pp | 76.5%+5.3pp | 67.7%+14.2pp |
| Annual return | 8.50% | 18.89%-10.4pp | 29.46%-21.0pp | 35.66%-27.2pp |
| Employer contribution / active EE | $2,006 | $2,370-15.4% | $3,023-33.7% | $2,757-27.2% |
| Participant deferral / active EE | $3,113 | $4,121-24.5% | $5,055-38.4% | $4,299-27.6% |
| Admin fee / account holder | $3,329 | $8,047-58.6% | $9,462-64.8% | $6,924-51.9% |