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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 | $47,759 | $93,617-49.0% | $135,982-64.9% | $75,177-36.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 12.22% | 30.89%-18.7pp | 68.32%-56.1pp | 160.75%-148.5pp |
| Employer contribution / active EE | $2,801 | $3,538-20.8% | $4,859-42.4% | $2,671+4.9% |
| Participant deferral / active EE | $5,168 | $6,406-19.3% | $7,760-33.4% | $4,126+25.3% |
| Admin fee / account holder | $4,465 | $6,980-36.0% | $10,767-58.5% | $5,651-21.0% |