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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 | $13,052 | $29,733-56.1% | $56,025-76.7% | $80,959-83.9% |
| Participation rate | 89.2% | 41.7%+47.5pp | 52.5%+36.7pp | 67.7%+21.5pp |
| Annual return | 1.61% | 35.28%-33.7pp | 1712.69%-1711.1pp | 35.67%-34.1pp |
| Employer contribution / active EE | $1,209 | $672+80.0% | $1,042+16.1% | $2,757-56.1% |
| Participant deferral / active EE | $2,271 | $1,229+84.7% | $1,955+16.2% | $4,300-47.2% |
| Admin fee / account holder | $548 | $2,434-77.5% | $2,828-80.6% | $6,925-92.1% |