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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 | $97,648-65.0% | $121,663-71.9% | $87,485-60.9% |
| Participation rate | 95.5% | 70.5%+25.0pp | 74.5%+21.0pp | 68.9%+26.6pp |
| Annual return | 8.14% | 18.03%-9.9pp | 147.54%-139.4pp | 26.06%-17.9pp |
| Employer contribution / active EE | $1,254 | $2,300-45.5% | $3,020-58.5% | $2,596-51.7% |
| Participant deferral / active EE | $3,529 | $3,923-10.0% | $4,887-27.8% | $4,274-17.4% |
| Admin fee / account holder | $7,078 | $11,100-36.2% | $14,289-50.5% | $7,775-9.0% |