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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 | $34,139 | $72,492-52.9% | $87,104-60.8% | $72,975-53.2% |
| Participation rate | 95.5% | 72.8%+22.7pp | 76.9%+18.6pp | 69.5%+26.0pp |
| Annual return | 2.39% | 24.46%-22.1pp | 28.19%-25.8pp | 81.01%-78.6pp |
| Employer contribution / active EE | $3,803 | $1,894+100.8% | $2,521+50.8% | $2,440+55.8% |
| Participant deferral / active EE | $1,856 | $3,270-43.2% | $4,048-54.2% | $3,608-48.6% |
| Admin fee / account holder | $816 | $5,055-83.9% | $7,491-89.1% | $5,124-84.1% |