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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 | $41,238 | $101,795-59.5% | $165,100-75.0% | $80,959-49.1% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 10.03% | 16.73%-6.7pp | 70.21%-60.2pp | 35.67%-25.6pp |
| Employer contribution / active EE | $1,645 | $2,954-44.3% | $4,348-62.2% | $2,757-40.3% |
| Participant deferral / active EE | $2,627 | $4,476-41.3% | $6,035-56.5% | $4,300-38.9% |
| Admin fee / account holder | $1,178 | $8,221-85.7% | $12,696-90.7% | $6,925-83.0% |