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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 | $23,330 | $51,207-54.4% | $70,565-66.9% | $75,177-69.0% |
| Participation rate | 92.3% | 61.0%+31.3pp | 68.4%+24.0pp | 67.2%+25.1pp |
| Annual return | 13.35% | 30.05%-16.7pp | 32.79%-19.4pp | 160.75%-147.4pp |
| Employer contribution / active EE | $1,549 | $1,826-15.2% | $2,976-48.0% | $2,671-42.0% |
| Participant deferral / active EE | $3,048 | $2,850+7.0% | $4,568-33.3% | $4,126-26.1% |
| Admin fee / account holder | $4,837 | $4,097+18.1% | $6,430-24.8% | $5,651-14.4% |