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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 | $74,535-22.5% | $100,712-42.6% | $82,637-30.1% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 9.38% | 18.92%-9.5pp | 33.27%-23.9pp | 53.51%-44.1pp |
| Employer contribution / active EE | $2,063 | $1,503+37.3% | $2,313-10.8% | $2,552-19.2% |
| Participant deferral / active EE | $2,817 | $3,074-8.4% | $4,085-31.0% | $4,126-31.7% |
| Admin fee / account holder | $970 | $6,576-85.2% | $9,256-89.5% | $7,339-86.8% |