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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 | $26,055 | $43,075-39.5% | $74,577-65.1% | $62,881-58.6% |
| Participation rate | 97.6% | 58.1%+39.6pp | 68.1%+29.5pp | 69.3%+28.3pp |
| Annual return | 4.40% | 17.50%-13.1pp | 20.47%-16.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $4,698 | $1,498+213.7% | $2,525+86.0% | $2,281+106.0% |
| Participant deferral / active EE | $2,505 | $2,389+4.8% | $3,458-27.6% | $3,203-21.8% |
| Admin fee / account holder | $1,286 | $2,840-54.7% | $4,138-68.9% | $4,296-70.1% |