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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 | $57,762 | $77,574-25.5% | $108,753-46.9% | $86,983-33.6% |
| Participation rate | 100.0% | 62.3%+37.7pp | 71.1%+28.9pp | 69.5%+30.5pp |
| Annual return | 9.38% | 18.42%-9.0pp | 37.47%-28.1pp | 25.83%-16.4pp |
| Employer contribution / active EE | $2,063 | $1,611+28.1% | $2,427-15.0% | $2,584-20.2% |
| Participant deferral / active EE | $2,817 | $3,128-10.0% | $4,115-31.5% | $4,194-32.8% |
| Admin fee / account holder | $970 | $6,529-85.1% | $10,320-90.6% | $7,856-87.7% |