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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 | $38,787 | $57,590-32.7% | $86,233-55.0% | $82,448-53.0% |
| Participation rate | 72.7% | 57.9%+14.9pp | 69.0%+3.7pp | 68.1%+4.7pp |
| Annual return | 12.70% | 22.41%-9.7pp | 61.39%-48.7pp | 41.64%-28.9pp |
| Employer contribution / active EE | $996 | $1,655-39.8% | $2,504-60.2% | $2,551-60.9% |
| Participant deferral / active EE | $4,592 | $3,080+49.1% | $4,559+0.7% | $4,139+10.9% |
| Admin fee / account holder | $2,591 | $4,730-45.2% | $8,342-68.9% | $7,234-64.2% |