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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 | $27,816 | $77,908-64.3% | $149,696-81.4% | $75,173-63.0% |
| Participation rate | 83.0% | 65.6%+17.4pp | 78.8%+4.2pp | 67.2%+15.8pp |
| Annual return | 13.25% | 31.73%-18.5pp | 134.46%-121.2pp | 160.72%-147.5pp |
| Employer contribution / active EE | $1,561 | $3,138-50.3% | $4,821-67.6% | $2,671-41.6% |
| Participant deferral / active EE | $3,630 | $3,411+6.4% | $5,682-36.1% | $4,126-12.0% |
| Admin fee / account holder | $2,882 | $5,950-51.6% | $13,212-78.2% | $5,651-49.0% |