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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 | $58,848-84.0% | $88,179-89.3% | $82,637-88.6% |
| Participation rate | 92.7% | 57.9%+34.8pp | 69.1%+23.6pp | 68.1%+24.7pp |
| Annual return | 11.63% | 22.76%-11.1pp | 64.97%-53.3pp | 53.51%-41.9pp |
| Employer contribution / active EE | $528 | $1,678-68.6% | $2,549-79.3% | $2,552-79.3% |
| Participant deferral / active EE | $1,360 | $3,124-56.5% | $4,614-70.5% | $4,126-67.0% |
| Admin fee / account holder | $1,076 | $4,795-77.6% | $7,673-86.0% | $7,339-85.3% |