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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 | $30,231 | $56,894-46.9% | $84,753-64.3% | $62,881-51.9% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 2.71% | 6.30%-3.6pp | 22.78%-20.1pp | 20.14%-17.4pp |
| Employer contribution / active EE | $10,120 | $2,400+321.7% | $3,574+183.1% | $2,281+343.7% |
| Participant deferral / active EE | $1,502 | $2,709-44.6% | $3,712-59.5% | $3,203-53.1% |
| Admin fee / account holder | $541 | $3,581-84.9% | $5,333-89.9% | $4,296-87.4% |