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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 | $32,202 | $99,341-67.6% | $84,750-62.0% | $273,965-88.2% |
| Participation rate | 90.9% | 80.7%+10.2pp | 76.6%+14.3pp | 83.0%+7.9pp |
| Annual return | -0.47% | 22.93%-23.4pp | 22.78%-23.2pp | 41.45%-41.9pp |
| Employer contribution / active EE | $2,273 | $4,214-46.1% | $3,574-36.4% | $4,869-53.3% |
| Participant deferral / active EE | $3,908 | $4,269-8.5% | $3,712+5.3% | $5,287-26.1% |
| Admin fee / account holder | $434 | $6,644-93.5% | $5,332-91.9% | $10,132-95.7% |