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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 | $42,968 | $81,358-47.2% | $155,556-72.4% | $80,959-46.9% |
| Participation rate | 88.0% | 66.3%+21.7pp | 78.2%+9.8pp | 67.7%+20.3pp |
| Annual return | 8.75% | 33.39%-24.6pp | 64.84%-56.1pp | 35.67%-26.9pp |
| Employer contribution / active EE | $1,604 | $3,106-48.4% | $4,675-65.7% | $2,757-41.8% |
| Participant deferral / active EE | $1,089 | $3,455-68.5% | $5,631-80.7% | $4,300-74.7% |
| Admin fee / account holder | $4,568 | $7,994-42.9% | $15,885-71.2% | $6,925-34.0% |