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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 | $51,292 | $72,273-29.0% | $101,275-49.4% | $79,856-35.8% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 9.98% | 22.30%-12.3pp | 46.48%-36.5pp | 31.71%-21.7pp |
| Employer contribution / active EE | $1,431 | $2,691-46.8% | $3,660-60.9% | $2,471-42.1% |
| Participant deferral / active EE | $2,289 | $3,282-30.2% | $4,371-47.6% | $3,741-38.8% |
| Admin fee / account holder | $725 | $4,401-83.5% | $5,948-87.8% | $5,306-86.3% |