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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 | $39,862 | $90,400-55.9% | $186,193-78.6% | $87,485-54.4% |
| Participation rate | 87.8% | 66.2%+21.6pp | 77.1%+10.6pp | 68.9%+18.8pp |
| Annual return | 4.98% | 22.15%-17.2pp | 78.03%-73.0pp | 26.06%-21.1pp |
| Employer contribution / active EE | $1,333 | $2,170-38.6% | $3,918-66.0% | $2,596-48.7% |
| Participant deferral / active EE | $4,337 | $4,330+0.2% | $6,513-33.4% | $4,274+1.5% |
| Admin fee / account holder | $1,829 | $8,673-78.9% | $11,058-83.5% | $7,775-76.5% |