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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 | $65,548 | $47,848+37.0% | $81,473-19.5% | $70,126-6.5% |
| Participation rate | 97.8% | 58.3%+39.5pp | 68.0%+29.8pp | 69.5%+28.2pp |
| Annual return | 11.69% | 27.25%-15.6pp | 38.78%-27.1pp | 73.15%-61.5pp |
| Employer contribution / active EE | $1,118 | $1,527-26.8% | $2,568-56.4% | $2,343-52.3% |
| Participant deferral / active EE | $1,686 | $2,453-31.3% | $3,537-52.3% | $3,332-49.4% |
| Admin fee / account holder | $2,645 | $3,145-15.9% | $4,561-42.0% | $4,645-43.1% |