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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 | $25,794 | $126,661-79.6% | $113,397-77.3% | $138,895-81.4% |
| Participation rate | 80.0% | 79.4%+0.6pp | 76.5%+3.5pp | 79.9%+0.1pp |
| Annual return | 3.89% | 25.05%-21.2pp | 23.20%-19.3pp | 145.39%-141.5pp |
| Employer contribution / active EE | $1,753 | $3,456-49.3% | $2,977-41.1% | $4,194-58.2% |
| Participant deferral / active EE | $4,897 | $5,693-14.0% | $5,076-3.5% | $6,396-23.4% |
| Admin fee / account holder | $394 | $14,549-97.3% | $11,957-96.7% | $12,562-96.9% |