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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 | $9,427 | $57,590-83.6% | $86,233-89.1% | $82,448-88.6% |
| Participation rate | 92.7% | 57.9%+34.9pp | 69.0%+23.7pp | 68.1%+24.7pp |
| Annual return | 11.63% | 22.41%-10.8pp | 61.39%-49.8pp | 41.64%-30.0pp |
| Employer contribution / active EE | $528 | $1,655-68.1% | $2,504-78.9% | $2,551-79.3% |
| Participant deferral / active EE | $1,360 | $3,080-55.8% | $4,559-70.2% | $4,139-67.1% |
| Admin fee / account holder | $1,076 | $4,730-77.3% | $8,342-87.1% | $7,234-85.1% |