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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 | $81,331-47.2% | $155,534-72.4% | $80,935-46.9% |
| Participation rate | 88.0% | 66.3%+21.7pp | 78.2%+9.8pp | 67.7%+20.3pp |
| Annual return | 8.75% | 33.37%-24.6pp | 64.92%-56.2pp | 35.66%-26.9pp |
| Employer contribution / active EE | $1,604 | $3,105-48.3% | $4,675-65.7% | $2,757-41.8% |
| Participant deferral / active EE | $1,089 | $3,454-68.5% | $5,630-80.7% | $4,299-74.7% |
| Admin fee / account holder | $4,568 | $7,999-42.9% | $15,900-71.3% | $6,924-34.0% |