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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 | $35,314 | $65,364-46.0% | $92,909-62.0% | $72,975-51.6% |
| Participation rate | 97.8% | 68.3%+29.5pp | 76.0%+21.8pp | 69.5%+28.3pp |
| Annual return | 13.11% | 42.11%-29.0pp | 109.44%-96.3pp | 81.01%-67.9pp |
| Employer contribution / active EE | $1,692 | $2,594-34.8% | $3,653-53.7% | $2,440-30.6% |
| Participant deferral / active EE | $2,283 | $3,128-27.0% | $4,238-46.1% | $3,608-36.7% |
| Admin fee / account holder | $1,943 | $4,251-54.3% | $5,795-66.5% | $5,124-62.1% |