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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 | $4,537 | $25,014-81.9% | $69,632-93.5% | $80,959-94.4% |
| Participation rate | 78.3% | 64.2%+14.1pp | 66.4%+11.9pp | 67.7%+10.7pp |
| Annual return | 6.35% | 19.08%-12.7pp | 101.32%-95.0pp | 35.67%-29.3pp |
| Employer contribution / active EE | $701 | $991-29.3% | $1,708-59.0% | $2,757-74.6% |
| Participant deferral / active EE | $1,426 | $1,840-22.5% | $2,889-50.6% | $4,300-66.8% |
| Admin fee / account holder | $1,830 | $2,491-26.5% | $4,695-61.0% | $6,925-73.6% |