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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 | $2,594 | $25,014-89.6% | $69,623-96.3% | $80,935-96.8% |
| Participation rate | 78.7% | 64.2%+14.5pp | 66.4%+12.3pp | 67.7%+11.0pp |
| Annual return | 10.67% | 19.08%-8.4pp | 101.23%-90.6pp | 35.66%-25.0pp |
| Employer contribution / active EE | $494 | $991-50.1% | $1,709-71.1% | $2,757-82.1% |
| Participant deferral / active EE | $1,199 | $1,840-34.8% | $2,890-58.5% | $4,299-72.1% |
| Admin fee / account holder | $1,133 | $2,491-54.5% | $4,696-75.9% | $6,924-83.6% |