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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 | $15,559 | $64,920-76.0% | $103,693-85.0% | $86,983-82.1% |
| Participation rate | 83.8% | 63.6%+20.2pp | 72.6%+11.1pp | 69.5%+14.2pp |
| Annual return | 6.32% | 30.29%-24.0pp | 47.61%-41.3pp | 25.83%-19.5pp |
| Employer contribution / active EE | $1,274 | $2,141-40.5% | $2,920-56.4% | $2,584-50.7% |
| Participant deferral / active EE | $1,330 | $3,241-59.0% | $4,579-70.9% | $4,194-68.3% |
| Admin fee / account holder | $6,303 | $6,191+1.8% | $7,858-19.8% | $7,856-19.8% |