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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 | $50,662 | $73,988-31.5% | $96,538-47.5% | $75,177-32.6% |
| Participation rate | 85.5% | 66.4%+19.1pp | 74.3%+11.2pp | 67.2%+18.3pp |
| Annual return | 12.96% | 26.73%-13.8pp | 35.74%-22.8pp | 160.75%-147.8pp |
| Employer contribution / active EE | $760 | $2,930-74.1% | $3,740-79.7% | $2,671-71.6% |
| Participant deferral / active EE | $3,202 | $3,660-12.5% | $4,880-34.4% | $4,126-22.4% |
| Admin fee / account holder | $1,529 | $5,220-70.7% | $6,737-77.3% | $5,651-72.9% |