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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 | $26,951 | $91,198-70.4% | $178,503-84.9% | $79,856-66.3% |
| Participation rate | 82.6% | 69.2%+13.4pp | 81.9%+0.7pp | 69.6%+13.0pp |
| Annual return | 4.91% | 24.20%-19.3pp | 151.12%-146.2pp | 31.71%-26.8pp |
| Employer contribution / active EE | $1,570 | $3,257-51.8% | $5,011-68.7% | $2,471-36.5% |
| Participant deferral / active EE | $1,336 | $3,237-58.7% | $5,202-74.3% | $3,741-64.3% |
| Admin fee / account holder | $849 | $6,748-87.4% | $13,987-93.9% | $5,306-84.0% |