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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 | $28,009 | $52,580-46.7% | $71,671-60.9% | $70,126-60.1% |
| Participation rate | 100.0% | 60.9%+39.1pp | 68.7%+31.3pp | 69.5%+30.5pp |
| Annual return | 12.16% | 20.25%-8.1pp | 20.65%-8.5pp | 73.15%-61.0pp |
| Employer contribution / active EE | $2,903 | $1,616+79.6% | $2,460+18.0% | $2,343+23.9% |
| Participant deferral / active EE | $1,781 | $2,386-25.4% | $3,438-48.2% | $3,332-46.5% |
| Admin fee / account holder | $490 | $3,653-86.6% | $5,558-91.2% | $4,645-89.5% |