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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 | $40,933 | $83,485-51.0% | $125,195-67.3% | $72,976-43.9% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 2.51% | 25.77%-23.3pp | 43.79%-41.3pp | 81.02%-78.5pp |
| Employer contribution / active EE | $1,390 | $2,346-40.8% | $3,866-64.1% | $2,440-43.0% |
| Participant deferral / active EE | $3,560 | $3,586-0.7% | $4,937-27.9% | $3,608-1.3% |
| Admin fee / account holder | $600 | $5,518-89.1% | $9,704-93.8% | $5,124-88.3% |