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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 | $19,452 | $99,345-80.4% | $84,753-77.0% | $273,972-92.9% |
| Participation rate | 86.7% | 80.7%+6.0pp | 76.6%+10.1pp | 83.0%+3.7pp |
| Annual return | 1.26% | 22.93%-21.7pp | 22.78%-21.5pp | 41.46%-40.2pp |
| Employer contribution / active EE | $10,640 | $4,214+152.5% | $3,574+197.7% | $4,869+118.5% |
| Participant deferral / active EE | $1,258 | $4,270-70.5% | $3,712-66.1% | $5,287-76.2% |
| Admin fee / account holder | $482 | $6,645-92.7% | $5,333-91.0% | $10,133-95.2% |