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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 | $32,375 | $81,358-60.2% | $155,556-79.2% | $80,959-60.0% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 7.82% | 33.39%-25.6pp | 64.84%-57.0pp | 35.67%-27.9pp |
| Employer contribution / active EE | $2,261 | $3,106-27.2% | $4,675-51.6% | $2,757-18.0% |
| Participant deferral / active EE | $3,520 | $3,455+1.9% | $5,631-37.5% | $4,300-18.1% |
| Admin fee / account holder | $779 | $7,994-90.3% | $15,885-95.1% | $6,925-88.7% |