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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 | $35,053 | $81,358-56.9% | $155,556-77.5% | $80,959-56.7% |
| Participation rate | 97.6% | 66.3%+31.4pp | 78.2%+19.4pp | 67.7%+30.0pp |
| Annual return | 10.53% | 33.39%-22.9pp | 64.84%-54.3pp | 35.67%-25.1pp |
| Employer contribution / active EE | $1,169 | $3,106-62.4% | $4,675-75.0% | $2,757-57.6% |
| Participant deferral / active EE | $2,185 | $3,455-36.8% | $5,631-61.2% | $4,300-49.2% |
| Admin fee / account holder | $944 | $7,994-88.2% | $15,885-94.1% | $6,925-86.4% |