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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 | $44,221 | $76,407-42.1% | $150,298-70.6% | $82,448-46.4% |
| Participation rate | 90.6% | 66.4%+24.2pp | 77.8%+12.9pp | 68.1%+22.6pp |
| Annual return | 10.51% | 39.99%-29.5pp | 62.79%-52.3pp | 41.64%-31.1pp |
| Employer contribution / active EE | $1,840 | $2,614-29.6% | $4,154-55.7% | $2,551-27.9% |
| Participant deferral / active EE | $1,918 | $3,214-40.3% | $5,453-64.8% | $4,139-53.7% |
| Admin fee / account holder | $3,980 | $6,352-37.3% | $14,116-71.8% | $7,234-45.0% |