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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 | $33,506 | $81,358-58.8% | $155,556-78.5% | $80,959-58.6% |
| Participation rate | 72.4% | 66.3%+6.1pp | 78.2%-5.8pp | 67.7%+4.7pp |
| Annual return | 6.35% | 33.39%-27.0pp | 64.84%-58.5pp | 35.67%-29.3pp |
| Employer contribution / active EE | $2,224 | $3,106-28.4% | $4,675-52.4% | $2,757-19.3% |
| Participant deferral / active EE | $5,051 | $3,455+46.2% | $5,631-10.3% | $4,300+17.5% |
| Admin fee / account holder | $540 | $7,994-93.2% | $15,885-96.6% | $6,925-92.2% |