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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 | $41,551 | $77,920-46.7% | $149,723-72.2% | $75,177-44.7% |
| Participation rate | 78.8% | 65.6%+13.2pp | 78.8%0pp | 67.2%+11.6pp |
| Annual return | 3.12% | 31.72%-28.6pp | 134.50%-131.4pp | 160.75%-157.6pp |
| Employer contribution / active EE | $406 | $3,138-87.1% | $4,821-91.6% | $2,671-84.8% |
| Participant deferral / active EE | $1,255 | $3,411-63.2% | $5,682-77.9% | $4,126-69.6% |
| Admin fee / account holder | $1,508 | $5,951-74.7% | $13,215-88.6% | $5,651-73.3% |