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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 | $44,691 | $94,031-52.5% | $115,768-61.4% | $82,448-45.8% |
| Participation rate | 91.4% | 70.4%+20.9pp | 74.4%+17.0pp | 68.1%+23.3pp |
| Annual return | 10.43% | 20.61%-10.2pp | 100.46%-90.0pp | 41.64%-31.2pp |
| Employer contribution / active EE | $1,335 | $2,323-42.5% | $2,940-54.6% | $2,551-47.7% |
| Participant deferral / active EE | $1,895 | $3,972-52.3% | $4,917-61.5% | $4,139-54.2% |
| Admin fee / account holder | $2,855 | $10,249-72.1% | $12,439-77.0% | $7,234-60.5% |