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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 | $32,395 | $98,776-67.2% | $149,745-78.4% | $79,856-59.4% |
| Participation rate | 88.0% | 75.8%+12.2pp | 82.5%+5.5pp | 69.6%+18.4pp |
| Annual return | 12.32% | 27.38%-15.1pp | 276.72%-264.4pp | 31.71%-19.4pp |
| Employer contribution / active EE | $1,789 | $3,217-44.4% | $4,646-61.5% | $2,471-27.6% |
| Participant deferral / active EE | $4,176 | $5,681-26.5% | $6,843-39.0% | $3,741+11.6% |
| Admin fee / account holder | $772 | $6,053-87.2% | $9,312-91.7% | $5,306-85.4% |