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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 | $37,955 | $65,027-41.6% | $90,970-58.3% | $79,852-52.5% |
| Participation rate | 71.1% | 61.6%+9.4pp | 69.0%+2.0pp | 69.6%+1.4pp |
| Annual return | 8.24% | 30.45%-22.2pp | 134.58%-126.3pp | 31.72%-23.5pp |
| Employer contribution / active EE | $894 | $1,247-28.3% | $2,122-57.9% | $2,471-63.8% |
| Participant deferral / active EE | $2,429 | $2,512-3.3% | $3,373-28.0% | $3,740-35.0% |
| Admin fee / account holder | $7,187 | $4,535+58.5% | $5,960+20.6% | $5,306+35.5% |