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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 | $29,381 | $81,358-63.9% | $155,556-81.1% | $80,959-63.7% |
| Participation rate | 90.4% | 66.3%+24.1pp | 78.2%+12.2pp | 67.7%+22.7pp |
| Annual return | 10.06% | 33.39%-23.3pp | 64.84%-54.8pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,590 | $3,106-48.8% | $4,675-66.0% | $2,757-42.3% |
| Participant deferral / active EE | $3,959 | $3,455+14.6% | $5,631-29.7% | $4,300-7.9% |
| Admin fee / account holder | $940 | $7,994-88.2% | $15,885-94.1% | $6,925-86.4% |