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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 | $27,466 | $81,358-66.2% | $155,556-82.3% | $80,959-66.1% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 9.40% | 33.39%-24.0pp | 64.84%-55.4pp | 35.67%-26.3pp |
| Employer contribution / active EE | $2,368 | $3,106-23.8% | $4,675-49.4% | $2,757-14.1% |
| Participant deferral / active EE | $1,962 | $3,455-43.2% | $5,631-65.1% | $4,300-54.4% |
| Admin fee / account holder | $1,385 | $7,994-82.7% | $15,885-91.3% | $6,925-80.0% |