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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 | $61,126 | $58,523+4.4% | $99,479-38.6% | $72,976-16.2% |
| Participation rate | 92.0% | 64.6%+27.4pp | 73.8%+18.2pp | 69.5%+22.5pp |
| Annual return | 4.28% | 28.51%-24.2pp | 30.72%-26.4pp | 81.02%-76.7pp |
| Employer contribution / active EE | $8,800 | $1,512+482.0% | $2,540+246.4% | $2,440+260.6% |
| Participant deferral / active EE | $3,901 | $2,606+49.7% | $3,619+7.8% | $3,608+8.1% |
| Admin fee / account holder | $2,037 | $4,102-50.3% | $6,253-67.4% | $5,124-60.2% |