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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 | $35,809 | $110,379-67.6% | $102,412-65.0% | $145,884-75.5% |
| Participation rate | 84.2% | 77.9%+6.3pp | 74.5%+9.7pp | 80.3%+3.9pp |
| Annual return | 7.54% | 24.84%-17.3pp | 24.94%-17.4pp | 551.85%-544.3pp |
| Employer contribution / active EE | $1,681 | $4,216-60.1% | $3,870-56.6% | $4,662-64.0% |
| Participant deferral / active EE | $2,288 | $5,622-59.3% | $5,060-54.8% | $6,690-65.8% |
| Admin fee / account holder | $2,063 | $9,745-78.8% | $8,388-75.4% | $13,392-84.6% |