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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 | $83,191 | $77,908+6.8% | $149,696-44.4% | $75,173+10.7% |
| Participation rate | 78.1% | 65.6%+12.5pp | 78.8%-0.7pp | 67.2%+10.9pp |
| Annual return | 10.58% | 31.73%-21.1pp | 134.46%-123.9pp | 160.72%-150.1pp |
| Employer contribution / active EE | $1,403 | $3,138-55.3% | $4,821-70.9% | $2,671-47.5% |
| Participant deferral / active EE | $4,235 | $3,411+24.2% | $5,682-25.5% | $4,126+2.6% |
| Admin fee / account holder | $6,459 | $5,950+8.6% | $13,212-51.1% | $5,651+14.3% |