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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 | $13,378 | $54,757-75.6% | $90,300-85.2% | $72,983-81.7% |
| Participation rate | 100.0% | 65.1%+34.9pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 14.22% | 30.63%-16.4pp | 78.11%-63.9pp | 81.01%-66.8pp |
| Employer contribution / active EE | $791 | $2,092-62.2% | $2,854-72.3% | $2,440-67.6% |
| Participant deferral / active EE | $3,888 | $2,887+34.7% | $3,884+0.1% | $3,608+7.8% |
| Admin fee / account holder | $582 | $3,972-85.4% | $5,353-89.1% | $5,124-88.7% |