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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 | $25,590 | $77,908-67.2% | $149,696-82.9% | $75,173-66.0% |
| Participation rate | 93.3% | 65.6%+27.8pp | 78.8%+14.6pp | 67.2%+26.1pp |
| Annual return | 7.37% | 31.73%-24.4pp | 134.46%-127.1pp | 160.72%-153.3pp |
| Employer contribution / active EE | $2,186 | $3,138-30.3% | $4,821-54.7% | $2,671-18.2% |
| Participant deferral / active EE | $2,314 | $3,411-32.2% | $5,682-59.3% | $4,126-43.9% |
| Admin fee / account holder | $522 | $5,950-91.2% | $13,212-96.0% | $5,651-90.8% |