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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 | $31,252 | $70,684-55.8% | $169,390-81.6% | $75,173-58.4% |
| Participation rate | 97.1% | 64.8%+32.3pp | 77.2%+20.0pp | 67.2%+29.9pp |
| Annual return | 13.73% | 36.38%-22.7pp | 406.07%-392.3pp | 160.72%-147.0pp |
| Employer contribution / active EE | $2,879 | $2,211+30.2% | $4,013-28.3% | $2,671+7.8% |
| Participant deferral / active EE | $1,701 | $4,310-60.5% | $6,222-72.7% | $4,126-58.8% |
| Admin fee / account holder | $633 | $5,404-88.3% | $9,015-93.0% | $5,651-88.8% |