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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 | $44,525 | $89,367-50.2% | $141,191-68.5% | $72,975-39.0% |
| Participation rate | 72.9% | 75.1%-2.2pp | 82.5%-9.6pp | 69.5%+3.4pp |
| Annual return | 8.54% | 111.87%-103.3pp | 71.41%-62.9pp | 81.01%-72.5pp |
| Employer contribution / active EE | $1,995 | $3,115-36.0% | $4,736-57.9% | $2,440-18.2% |
| Participant deferral / active EE | $3,019 | $5,419-44.3% | $6,710-55.0% | $3,608-16.3% |
| Admin fee / account holder | $1,083 | $5,957-81.8% | $10,264-89.5% | $5,124-78.9% |