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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 | $13,782 | $106,267-87.0% | $96,520-85.7% | $139,456-90.1% |
| Participation rate | 86.7% | 77.8%+8.8pp | 74.3%+12.3pp | 80.3%+6.3pp |
| Annual return | 4.53% | 38.45%-33.9pp | 35.72%-31.2pp | 373.45%-368.9pp |
| Employer contribution / active EE | $3,492 | $4,105-14.9% | $3,739-6.6% | $4,753-26.5% |
| Participant deferral / active EE | $1,451 | $5,454-73.4% | $4,879-70.3% | $6,711-78.4% |
| Admin fee / account holder | $869 | $7,882-89.0% | $6,733-87.1% | $11,407-92.4% |