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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 | $41,845 | $54,541-23.3% | $78,778-46.9% | $70,126-40.3% |
| Participation rate | 80.0% | 60.8%+19.2pp | 69.2%+10.8pp | 69.5%+10.5pp |
| Annual return | 10.11% | 21.07%-11.0pp | 35.62%-25.5pp | 73.15%-63.0pp |
| Employer contribution / active EE | $1,884 | $1,089+73.1% | $1,986-5.1% | $2,343-19.6% |
| Participant deferral / active EE | $2,391 | $2,210+8.2% | $2,958-19.2% | $3,332-28.2% |
| Admin fee / account holder | $1,254 | $3,709-66.2% | $5,134-75.6% | $4,645-73.0% |