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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 | $22,477 | $57,140-60.7% | $85,240-73.6% | $80,959-72.2% |
| Participation rate | 80.0% | 56.4%+23.6pp | 67.5%+12.5pp | 67.7%+12.3pp |
| Annual return | 10.17% | 21.71%-11.5pp | 66.75%-56.6pp | 35.67%-25.5pp |
| Employer contribution / active EE | $1,467 | $1,802-18.6% | $2,735-46.4% | $2,757-46.8% |
| Participant deferral / active EE | $2,286 | $3,115-26.6% | $4,527-49.5% | $4,300-46.9% |
| Admin fee / account holder | $2,494 | $4,992-50.0% | $6,165-59.5% | $6,925-64.0% |