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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 | $56,593 | $76,371-25.9% | $93,621-39.6% | $72,976-22.4% |
| Participation rate | 96.7% | 71.8%+24.9pp | 75.8%+20.8pp | 69.5%+27.2pp |
| Annual return | 15.69% | 25.82%-10.1pp | 32.76%-17.1pp | 81.02%-65.3pp |
| Employer contribution / active EE | $6,629 | $2,276+191.3% | $2,719+143.8% | $2,440+171.7% |
| Participant deferral / active EE | $3,627 | $3,538+2.5% | $4,070-10.9% | $3,608+0.5% |
| Admin fee / account holder | $595 | $6,839-91.3% | $7,890-92.5% | $5,124-88.4% |