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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 | $41,997 | $78,197-46.3% | $98,090-57.2% | $82,637-49.2% |
| Participation rate | 82.1% | 77.5%+4.7pp | 81.5%+0.6pp | 68.1%+14.1pp |
| Annual return | 10.84% | 40.25%-29.4pp | 37.05%-26.2pp | 53.51%-42.7pp |
| Employer contribution / active EE | $3,571 | $2,605+37.1% | $3,606-1.0% | $2,552+39.9% |
| Participant deferral / active EE | $0 | $6,636-100.0% | $7,845-100.0% | $4,126-100.0% |
| Admin fee / account holder | $6,414 | $14,832-56.8% | $11,815-45.7% | $7,339-12.6% |