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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 | $51,478 | $58,828-12.5% | $78,002-34.0% | $62,881-18.1% |
| Participation rate | 83.6% | 71.1%+12.5pp | 75.5%+8.1pp | 69.3%+14.3pp |
| Annual return | 3.24% | 17.16%-13.9pp | 425.99%-422.8pp | 20.14%-16.9pp |
| Employer contribution / active EE | $854 | $1,672-48.9% | $2,470-65.4% | $2,281-62.6% |
| Participant deferral / active EE | $2,440 | $2,686-9.1% | $3,497-30.2% | $3,203-23.8% |
| Admin fee / account holder | $1,552 | $4,393-64.7% | $5,481-71.7% | $4,296-63.9% |