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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 | $44,204 | $57,541-23.2% | $95,759-53.8% | $75,177-41.2% |
| Participation rate | 79.7% | 62.5%+17.2pp | 72.3%+7.4pp | 67.2%+12.5pp |
| Annual return | 10.30% | 34.93%-24.6pp | 28.42%-18.1pp | 160.75%-150.4pp |
| Employer contribution / active EE | $352 | $1,808-80.5% | $2,836-87.6% | $2,671-86.8% |
| Participant deferral / active EE | $3,241 | $3,074+5.4% | $4,244-23.6% | $4,126-21.5% |
| Admin fee / account holder | $4,427 | $4,099+8.0% | $5,678-22.0% | $5,651-21.7% |