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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 | $40,239 | $67,602-40.5% | $82,312-51.1% | $70,126-42.6% |
| Participation rate | 90.9% | 72.8%+18.1pp | 76.9%+14.0pp | 69.5%+21.4pp |
| Annual return | 11.55% | 21.57%-10.0pp | 25.88%-14.3pp | 73.15%-61.6pp |
| Employer contribution / active EE | $676 | $1,755-61.5% | $2,428-72.2% | $2,343-71.2% |
| Participant deferral / active EE | $2,418 | $2,987-19.1% | $3,706-34.8% | $3,332-27.4% |
| Admin fee / account holder | $2,531 | $4,512-43.9% | $5,608-54.9% | $4,645-45.5% |