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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 | $28,653 | $58,493-51.0% | $84,023-65.9% | $72,976-60.7% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.0%+31.0pp | 69.5%+30.5pp |
| Annual return | 16.11% | 28.93%-12.8pp | 71.32%-55.2pp | 81.02%-64.9pp |
| Employer contribution / active EE | $823 | $1,163-29.2% | $1,984-58.5% | $2,440-66.3% |
| Participant deferral / active EE | $1,709 | $2,394-28.6% | $3,239-47.2% | $3,608-52.6% |
| Admin fee / account holder | $1,045 | $4,569-77.1% | $6,102-82.9% | $5,124-79.6% |