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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 | $25,115 | $78,690-68.1% | $161,489-84.4% | $87,485-71.3% |
| Participation rate | 97.7% | 67.5%+30.2pp | 78.7%+19.0pp | 68.9%+28.7pp |
| Annual return | 12.05% | 32.74%-20.7pp | 89.72%-77.7pp | 26.06%-14.0pp |
| Employer contribution / active EE | $854 | $2,588-67.0% | $4,268-80.0% | $2,596-67.1% |
| Participant deferral / active EE | $2,091 | $3,311-36.8% | $5,630-62.9% | $4,274-51.1% |
| Admin fee / account holder | $3,537 | $6,724-47.4% | $16,006-77.9% | $7,775-54.5% |