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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 | $28,312 | $72,273-60.8% | $101,275-72.0% | $79,856-64.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 8.91% | 22.30%-13.4pp | 46.48%-37.6pp | 31.71%-22.8pp |
| Employer contribution / active EE | $3,796 | $2,691+41.0% | $3,660+3.7% | $2,471+53.6% |
| Participant deferral / active EE | $4,066 | $3,282+23.9% | $4,371-7.0% | $3,741+8.7% |
| Admin fee / account holder | $395 | $4,401-91.0% | $5,948-93.4% | $5,306-92.6% |