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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 | $25,619 | $41,377-38.1% | $109,313-76.6% | $62,881-59.3% |
| Participation rate | 100.0% | 57.5%+42.5pp | 71.3%+28.7pp | 69.3%+30.7pp |
| Annual return | 4.04% | 11.05%-7.0pp | 22.07%-18.0pp | 20.14%-16.1pp |
| Employer contribution / active EE | $1,662 | $1,276+30.3% | $3,892-57.3% | $2,281-27.1% |
| Participant deferral / active EE | $1,961 | $2,045-4.1% | $3,166-38.1% | $3,203-38.8% |
| Admin fee / account holder | $1,671 | $2,884-42.1% | $5,666-70.5% | $4,296-61.1% |