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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 | $38,814 | $78,423-50.5% | $95,964-59.6% | $79,856-51.4% |
| Participation rate | 77.4% | 73.5%+3.9pp | 77.1%+0.3pp | 69.6%+7.7pp |
| Annual return | 7.02% | 19.37%-12.4pp | 91.64%-84.6pp | 31.71%-24.7pp |
| Employer contribution / active EE | $849 | $1,945-56.4% | $2,541-66.6% | $2,471-65.7% |
| Participant deferral / active EE | $1,945 | $3,440-43.5% | $4,167-53.3% | $3,741-48.0% |
| Admin fee / account holder | $1,132 | $5,622-79.9% | $6,797-83.3% | $5,306-78.7% |