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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 | $60,189 | $58,627+2.7% | $76,735-21.6% | $82,448-27.0% |
| Participation rate | 81.5% | 63.2%+18.3pp | 69.5%+12.0pp | 68.1%+13.4pp |
| Annual return | 8.08% | 39.10%-31.0pp | 29.77%-21.7pp | 41.64%-33.6pp |
| Employer contribution / active EE | $872 | $1,729-49.6% | $2,454-64.5% | $2,551-65.8% |
| Participant deferral / active EE | $2,066 | $3,134-34.1% | $4,088-49.5% | $4,139-50.1% |
| Admin fee / account holder | $27,055 | $5,323+408.3% | $7,189+276.3% | $7,234+274.0% |