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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 | $18,491 | $36,948-50.0% | $73,658-74.9% | $87,485-78.9% |
| Participation rate | 81.0% | 46.8%+34.2pp | 57.0%+24.0pp | 68.9%+12.1pp |
| Annual return | 13.30% | 28.64%-15.3pp | 29.72%-16.4pp | 26.06%-12.8pp |
| Employer contribution / active EE | $2,825 | $670+321.6% | $1,032+173.6% | $2,596+8.8% |
| Participant deferral / active EE | $2,407 | $1,379+74.6% | $2,062+16.8% | $4,274-43.7% |
| Admin fee / account holder | $462 | $2,531-81.7% | $3,357-86.2% | $7,775-94.1% |