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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 | $25,612 | $81,276-68.5% | $155,574-83.5% | $80,925-68.4% |
| Participation rate | 89.2% | 66.2%+22.9pp | 78.2%+11.0pp | 67.7%+21.5pp |
| Annual return | 5.77% | 33.36%-27.6pp | 64.87%-59.1pp | 35.65%-29.9pp |
| Employer contribution / active EE | $2,583 | $3,103-16.8% | $4,676-44.8% | $2,756-6.3% |
| Participant deferral / active EE | $2,001 | $3,453-42.1% | $5,629-64.5% | $4,299-53.5% |
| Admin fee / account holder | $871 | $7,993-89.1% | $15,914-94.5% | $6,940-87.5% |