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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 | $57,590-51.4% | $86,233-67.5% | $82,448-66.1% |
| Participation rate | 85.7% | 57.9%+27.8pp | 69.0%+16.7pp | 68.1%+17.6pp |
| Annual return | 12.42% | 22.41%-10.0pp | 61.39%-49.0pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,284 | $1,655-22.4% | $2,504-48.7% | $2,551-49.7% |
| Participant deferral / active EE | $3,144 | $3,080+2.1% | $4,559-31.0% | $4,139-24.0% |
| Admin fee / account holder | $2,044 | $4,730-56.8% | $8,342-75.5% | $7,234-71.8% |