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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 | $44,805 | $88,707-49.5% | $74,184-39.6% | $273,972-83.6% |
| Participation rate | 71.4% | 79.4%-8.0pp | 76.6%-5.2pp | 83.0%-11.6pp |
| Annual return | 0.61% | 11.94%-11.3pp | 17.74%-17.1pp | 41.46%-40.8pp |
| Employer contribution / active EE | $1,136 | $3,159-64.0% | $2,370-52.1% | $4,869-76.7% |
| Participant deferral / active EE | $4,338 | $4,212+3.0% | $3,550+22.2% | $5,287-18.0% |
| Admin fee / account holder | $3,718 | $8,717-57.3% | $5,586-33.4% | $10,133-63.3% |