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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 | $41,690 | $73,988-43.7% | $96,538-56.8% | $75,177-44.5% |
| Participation rate | 95.3% | 66.4%+28.9pp | 74.3%+21.0pp | 67.2%+28.1pp |
| Annual return | 7.94% | 26.73%-18.8pp | 35.74%-27.8pp | 160.75%-152.8pp |
| Employer contribution / active EE | $2,703 | $2,930-7.7% | $3,740-27.7% | $2,671+1.2% |
| Participant deferral / active EE | $4,438 | $3,660+21.3% | $4,880-9.1% | $4,126+7.6% |
| Admin fee / account holder | $824 | $5,220-84.2% | $6,737-87.8% | $5,651-85.4% |