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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 | $72,751 | $86,949-16.3% | $102,460-29.0% | $80,959-10.1% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 8.59% | 18.89%-10.3pp | 29.47%-20.9pp | 35.67%-27.1pp |
| Employer contribution / active EE | $777 | $2,370-67.2% | $3,025-74.3% | $2,757-71.8% |
| Participant deferral / active EE | $3,421 | $4,121-17.0% | $5,056-32.3% | $4,300-20.4% |
| Admin fee / account holder | $909 | $8,048-88.7% | $9,460-90.4% | $6,925-86.9% |