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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 | $28,554 | $67,602-57.8% | $82,312-65.3% | $70,126-59.3% |
| Participation rate | 92.0% | 72.8%+19.2pp | 76.9%+15.1pp | 69.5%+22.4pp |
| Annual return | 11.48% | 21.57%-10.1pp | 25.88%-14.4pp | 73.15%-61.7pp |
| Employer contribution / active EE | $748 | $1,755-57.4% | $2,428-69.2% | $2,343-68.1% |
| Participant deferral / active EE | $1,645 | $2,987-44.9% | $3,706-55.6% | $3,332-50.6% |
| Admin fee / account holder | $510 | $4,512-88.7% | $5,608-90.9% | $4,645-89.0% |