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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 | $21,947 | $91,179-75.9% | $178,499-87.7% | $79,852-72.5% |
| Participation rate | 77.6% | 69.2%+8.3pp | 81.9%-4.4pp | 69.6%+7.9pp |
| Annual return | 4.71% | 24.19%-19.5pp | 151.10%-146.4pp | 31.72%-27.0pp |
| Employer contribution / active EE | $1,249 | $3,256-61.6% | $5,011-75.1% | $2,471-49.5% |
| Participant deferral / active EE | $2,002 | $3,236-38.1% | $5,202-61.5% | $3,740-46.5% |
| Admin fee / account holder | $1,693 | $6,749-74.9% | $13,986-87.9% | $5,306-68.1% |