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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 | $27,195 | $78,682-65.4% | $109,188-75.1% | $85,851-68.3% |
| Participation rate | 84.1% | 68.3%+15.9pp | 75.9%+8.2pp | 69.3%+14.8pp |
| Annual return | 10.69% | 25.09%-14.4pp | 25.76%-15.1pp | 318.63%-307.9pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,207 | $3,468-36.4% | $4,654-52.6% | $3,952-44.2% |
| Admin fee / account holder | $1,407 | $5,470-74.3% | $6,755-79.2% | $6,261-77.5% |