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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 | $17,084 | $48,277-64.6% | $67,511-74.7% | $80,874-78.9% |
| Participation rate | 78.7% | 66.4%+12.3pp | 72.9%+5.8pp | 67.6%+11.0pp |
| Annual return | 10.98% | 18.27%-7.3pp | 3517.41%-3506.4pp | 35.62%-24.6pp |
| Employer contribution / active EE | $695 | $2,021-65.6% | $2,733-74.6% | $2,756-74.8% |
| Participant deferral / active EE | $1,417 | $2,926-51.6% | $4,000-64.6% | $4,297-67.0% |
| Admin fee / account holder | $1,179 | $3,687-68.0% | $3,999-70.5% | $6,935-83.0% |