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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 | $17,269 | $35,183-50.9% | $73,550-76.5% | $70,126-75.4% |
| Participation rate | 75.6% | 42.9%+32.7pp | 54.9%+20.7pp | 69.5%+6.1pp |
| Annual return | 8.08% | 26.90%-18.8pp | -15.16%+23.2pp | 73.15%-65.1pp |
| Employer contribution / active EE | $201 | $709-71.7% | $1,219-83.5% | $2,343-91.4% |
| Participant deferral / active EE | $501 | $1,220-58.9% | $1,804-72.2% | $3,332-84.9% |
| Admin fee / account holder | $684 | $2,302-70.3% | $2,320-70.5% | $4,645-85.3% |