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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 | $20,082 | $73,978-72.9% | $96,515-79.2% | $75,173-73.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 12.84% | 26.72%-13.9pp | 35.73%-22.9pp | 160.72%-147.9pp |
| Employer contribution / active EE | $1,613 | $2,931-45.0% | $3,740-56.9% | $2,671-39.6% |
| Participant deferral / active EE | $3,681 | $3,660+0.6% | $4,880-24.6% | $4,126-10.8% |
| Admin fee / account holder | $3,135 | $5,219-39.9% | $6,735-53.4% | $5,651-44.5% |