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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 | $42,746 | $68,852-37.9% | $120,524-64.5% | $80,925-47.2% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.7%+32.3pp |
| Annual return | 8.06% | 23.67%-15.6pp | 107.36%-99.3pp | 35.65%-27.6pp |
| Employer contribution / active EE | $2,142 | $2,063+3.8% | $3,469-38.3% | $2,756-22.3% |
| Participant deferral / active EE | $1,736 | $3,187-45.5% | $4,994-65.2% | $4,299-59.6% |
| Admin fee / account holder | $2,120 | $5,781-63.3% | $9,440-77.5% | $6,940-69.5% |