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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 | $34,199 | $94,031-63.6% | $115,768-70.5% | $82,448-58.5% |
| Participation rate | 95.5% | 70.4%+25.1pp | 74.4%+21.1pp | 68.1%+27.5pp |
| Annual return | 8.14% | 20.61%-12.5pp | 100.46%-92.3pp | 41.64%-33.5pp |
| Employer contribution / active EE | $1,254 | $2,323-46.0% | $2,940-57.3% | $2,551-50.8% |
| Participant deferral / active EE | $3,529 | $3,972-11.1% | $4,917-28.2% | $4,139-14.7% |
| Admin fee / account holder | $7,078 | $10,249-30.9% | $12,439-43.1% | $7,234-2.2% |