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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 | $40,335 | $89,364-54.9% | $141,177-71.4% | $72,983-44.7% |
| Participation rate | 92.3% | 75.1%+17.2pp | 82.5%+9.8pp | 69.5%+22.8pp |
| Annual return | 14.03% | 111.86%-97.8pp | 71.40%-57.4pp | 81.01%-67.0pp |
| Employer contribution / active EE | $912 | $3,115-70.7% | $4,736-80.7% | $2,440-62.6% |
| Participant deferral / active EE | $2,882 | $5,419-46.8% | $6,710-57.0% | $3,608-20.1% |
| Admin fee / account holder | $4,848 | $5,959-18.6% | $10,263-52.8% | $5,124-5.4% |