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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 | $27,990 | $58,848-52.4% | $88,179-68.3% | $82,637-66.1% |
| Participation rate | 85.7% | 57.9%+27.8pp | 69.1%+16.6pp | 68.1%+17.7pp |
| Annual return | 12.42% | 22.76%-10.3pp | 64.97%-52.6pp | 53.51%-41.1pp |
| Employer contribution / active EE | $1,284 | $1,678-23.5% | $2,549-49.6% | $2,552-49.7% |
| Participant deferral / active EE | $3,144 | $3,124+0.7% | $4,614-31.8% | $4,126-23.8% |
| Admin fee / account holder | $2,044 | $4,795-57.4% | $7,673-73.4% | $7,339-72.2% |