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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 | $3,350 | $23,330-85.6% | $64,489-94.8% | $82,448-95.9% |
| Participation rate | 70.8% | 68.3%+2.5pp | 67.7%+3.1pp | 68.1%+2.7pp |
| Annual return | 12.77% | 83.66%-70.9pp | 55.03%-42.3pp | 41.64%-28.9pp |
| Employer contribution / active EE | $476 | $824-42.2% | $1,523-68.7% | $2,551-81.3% |
| Participant deferral / active EE | $1,489 | $1,707-12.8% | $2,778-46.4% | $4,139-64.0% |
| Admin fee / account holder | $1,031 | $2,946-65.0% | $4,260-75.8% | $7,234-85.7% |