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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 | $34,117 | $77,908-56.2% | $149,696-77.2% | $75,173-54.6% |
| Participation rate | 86.7% | 65.6%+21.1pp | 78.8%+7.9pp | 67.2%+19.5pp |
| Annual return | 8.49% | 31.73%-23.2pp | 134.46%-126.0pp | 160.72%-152.2pp |
| Employer contribution / active EE | $1,328 | $3,138-57.7% | $4,821-72.5% | $2,671-50.3% |
| Participant deferral / active EE | $2,039 | $3,411-40.2% | $5,682-64.1% | $4,126-50.6% |
| Admin fee / account holder | $1,393 | $5,950-76.6% | $13,212-89.5% | $5,651-75.3% |