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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 | $25,895 | $91,198-71.6% | $178,503-85.5% | $79,856-67.6% |
| Participation rate | 81.3% | 69.2%+12.0pp | 81.9%-0.7pp | 69.6%+11.6pp |
| Annual return | 5.25% | 24.20%-19.0pp | 151.12%-145.9pp | 31.71%-26.5pp |
| Employer contribution / active EE | $668 | $3,257-79.5% | $5,011-86.7% | $2,471-73.0% |
| Participant deferral / active EE | $2,536 | $3,237-21.6% | $5,202-51.2% | $3,741-32.2% |
| Admin fee / account holder | $1,584 | $6,748-76.5% | $13,987-88.7% | $5,306-70.2% |