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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 | $45,380 | $46,732-2.9% | $156,551-71.0% | $55,167-17.7% |
| Participation rate | 71.3% | 65.8%+5.5pp | 84.0%-12.7pp | 69.0%+2.3pp |
| Annual return | 4.25% | 17.72%-13.5pp | 32.23%-28.0pp | 169.23%-165.0pp |
| Employer contribution / active EE | $4,018 | $2,105+90.9% | $5,501-27.0% | $1,963+104.7% |
| Participant deferral / active EE | $2,038 | $2,204-7.5% | $4,871-58.2% | $3,054-33.3% |
| Admin fee / account holder | $7,755 | $418+1753.6% | $13,028-40.5% | $504+1439.0% |