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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 | $64,462-67.8% | $81,482-74.5% | $80,911-74.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.6%+32.4pp |
| Annual return | 7.23% | 16.35%-9.1pp | 24.79%-17.6pp | 35.63%-28.4pp |
| Employer contribution / active EE | $2,735 | $1,979+38.2% | $2,463+11.1% | $2,756-0.7% |
| Participant deferral / active EE | $3,799 | $3,094+22.8% | $3,885-2.2% | $4,297-11.6% |
| Admin fee / account holder | $383 | $5,678-93.3% | $5,761-93.4% | $6,935-94.5% |