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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 | $23,564 | $64,359-63.4% | $90,161-73.9% | $70,126-66.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 6.44% | 28.13%-21.7pp | 34.89%-28.4pp | 73.15%-66.7pp |
| Employer contribution / active EE | $3,298 | $2,046+61.2% | $3,318-0.6% | $2,343+40.8% |
| Participant deferral / active EE | $2,659 | $4,389-39.4% | $5,287-49.7% | $3,332-20.2% |
| Admin fee / account holder | $1,240 | $3,945-68.6% | $5,943-79.1% | $4,645-73.3% |