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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 | $18,009 | $78,690-77.1% | $161,489-88.8% | $87,485-79.4% |
| Participation rate | 78.8% | 67.5%+11.3pp | 78.7%+0.1pp | 68.9%+9.9pp |
| Annual return | 9.60% | 32.74%-23.1pp | 89.72%-80.1pp | 26.06%-16.5pp |
| Employer contribution / active EE | $749 | $2,588-71.1% | $4,268-82.5% | $2,596-71.1% |
| Participant deferral / active EE | $1,427 | $3,311-56.9% | $5,630-74.7% | $4,274-66.6% |
| Admin fee / account holder | $1,082 | $6,724-83.9% | $16,006-93.2% | $7,775-86.1% |