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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 | $28,051 | $76,551-63.4% | $123,894-77.4% | $62,881-55.4% |
| Participation rate | 86.4% | 73.0%+13.4pp | 81.4%+5.0pp | 69.3%+17.1pp |
| Annual return | 5.78% | 18.68%-12.9pp | 47.52%-41.7pp | 20.14%-14.4pp |
| Employer contribution / active EE | $1,553 | $2,882-46.1% | $4,617-66.4% | $2,281-31.9% |
| Participant deferral / active EE | $2,600 | $4,840-46.3% | $5,984-56.5% | $3,203-18.8% |
| Admin fee / account holder | $408 | $4,826-91.6% | $8,357-95.1% | $4,296-90.5% |