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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 | $44,382 | $77,920-43.0% | $149,723-70.4% | $75,177-41.0% |
| Participation rate | 81.8% | 65.6%+16.2pp | 78.8%+3.0pp | 67.2%+14.6pp |
| Annual return | 1.47% | 31.72%-30.3pp | 134.50%-133.0pp | 160.75%-159.3pp |
| Employer contribution / active EE | $5,114 | $3,138+63.0% | $4,821+6.1% | $2,671+91.5% |
| Participant deferral / active EE | $4,682 | $3,411+37.3% | $5,682-17.6% | $4,126+13.5% |
| Admin fee / account holder | $615 | $5,951-89.7% | $13,215-95.3% | $5,651-89.1% |