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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 | $20,763 | $63,773-67.4% | $81,286-74.5% | $80,925-74.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 7.23% | 16.37%-9.1pp | 24.80%-17.6pp | 35.65%-28.4pp |
| Employer contribution / active EE | $2,735 | $1,979+38.2% | $2,463+11.1% | $2,756-0.8% |
| Participant deferral / active EE | $3,799 | $3,093+22.8% | $3,883-2.2% | $4,299-11.6% |
| Admin fee / account holder | $383 | $5,682-93.3% | $5,764-93.4% | $6,940-94.5% |