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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 | $29,229 | $80,992-63.9% | $96,534-69.7% | $75,173-61.1% |
| Participation rate | 73.4% | 71.8%+1.6pp | 76.0%-2.5pp | 67.2%+6.2pp |
| Annual return | 7.09% | 27.05%-20.0pp | 25.88%-18.8pp | 160.72%-153.6pp |
| Employer contribution / active EE | $1,392 | $2,283-39.0% | $2,965-53.1% | $2,671-47.9% |
| Participant deferral / active EE | $1,921 | $3,929-51.1% | $4,851-60.4% | $4,126-53.4% |
| Admin fee / account holder | $1,005 | $6,717-85.0% | $8,253-87.8% | $5,651-82.2% |