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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 | $78,690-43.8% | $161,489-72.6% | $87,485-49.5% |
| Participation rate | 90.6% | 67.5%+23.2pp | 78.7%+11.9pp | 68.9%+21.7pp |
| Annual return | 10.51% | 32.74%-22.2pp | 89.72%-79.2pp | 26.06%-15.6pp |
| Employer contribution / active EE | $1,840 | $2,588-28.9% | $4,268-56.9% | $2,596-29.1% |
| Participant deferral / active EE | $1,918 | $3,311-42.1% | $5,630-65.9% | $4,274-55.1% |
| Admin fee / account holder | $3,980 | $6,724-40.8% | $16,006-75.1% | $7,775-48.8% |