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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 | $33,507 | $48,337-30.7% | $67,560-50.4% | $80,959-58.6% |
| Participation rate | 96.0% | 66.4%+29.6pp | 72.9%+23.1pp | 67.7%+28.3pp |
| Annual return | 10.71% | 18.26%-7.6pp | 3533.50%-3522.8pp | 35.67%-25.0pp |
| Employer contribution / active EE | $2,048 | $2,023+1.3% | $2,737-25.2% | $2,757-25.7% |
| Participant deferral / active EE | $2,993 | $2,928+2.2% | $4,004-25.3% | $4,300-30.4% |
| Admin fee / account holder | $2,834 | $3,695-23.3% | $3,994-29.0% | $6,925-59.1% |