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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 | $29,694 | $91,198-67.4% | $178,503-83.4% | $79,856-62.8% |
| Participation rate | 81.1% | 69.2%+11.9pp | 81.9%-0.8pp | 69.6%+11.4pp |
| Annual return | 6.70% | 24.20%-17.5pp | 151.12%-144.4pp | 31.71%-25.0pp |
| Employer contribution / active EE | $871 | $3,257-73.3% | $5,011-82.6% | $2,471-64.8% |
| Participant deferral / active EE | $1,772 | $3,237-45.2% | $5,202-65.9% | $3,741-52.6% |
| Admin fee / account holder | $536 | $6,748-92.1% | $13,987-96.2% | $5,306-89.9% |