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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 | $32,671 | $56,110-41.8% | $94,993-65.6% | $70,126-53.4% |
| Participation rate | 92.6% | 65.0%+27.6pp | 73.9%+18.7pp | 69.5%+23.1pp |
| Annual return | 10.74% | 51.02%-40.3pp | 27.14%-16.4pp | 73.15%-62.4pp |
| Employer contribution / active EE | $511 | $1,442-64.6% | $2,603-80.4% | $2,343-78.2% |
| Participant deferral / active EE | $3,185 | $2,391+33.2% | $3,317-4.0% | $3,332-4.4% |
| Admin fee / account holder | $1,252 | $3,456-63.8% | $4,960-74.8% | $4,645-73.1% |