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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 | $71,385 | $32,037+122.8% | $69,182+3.2% | $62,881+13.5% |
| Participation rate | 97.2% | 43.4%+53.8pp | 55.1%+42.1pp | 69.3%+27.9pp |
| Annual return | 4.35% | 15.16%-10.8pp | -21.93%+26.3pp | 20.14%-15.8pp |
| Employer contribution / active EE | $575 | $679-15.4% | $1,206-52.4% | $2,281-74.8% |
| Participant deferral / active EE | $4,766 | $1,185+302.0% | $1,897+151.2% | $3,203+48.8% |
| Admin fee / account holder | $694 | $2,608-73.4% | $2,697-74.3% | $4,296-83.8% |