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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 | $19,021 | $54,757-65.3% | $90,304-78.9% | $72,975-73.9% |
| Participation rate | 90.8% | 65.2%+25.6pp | 73.3%+17.5pp | 69.5%+21.3pp |
| Annual return | 5.76% | 30.63%-24.9pp | 78.13%-72.4pp | 81.01%-75.3pp |
| Employer contribution / active EE | $349 | $2,093-83.3% | $2,855-87.8% | $2,440-85.7% |
| Participant deferral / active EE | $2,132 | $2,887-26.2% | $3,885-45.1% | $3,608-40.9% |
| Admin fee / account holder | $780 | $3,973-80.4% | $5,354-85.4% | $5,124-84.8% |