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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 | $44,014 | $118,488-62.9% | $98,462-55.3% | $139,487-68.4% |
| Participation rate | 72.2% | 77.5%-5.2pp | 75.2%-2.9pp | 80.3%-8.1pp |
| Annual return | 2.12% | 18.96%-16.8pp | 21.17%-19.1pp | 373.84%-371.7pp |
| Employer contribution / active EE | $1,374 | $3,611-61.9% | $3,049-54.9% | $4,755-71.1% |
| Participant deferral / active EE | $2,605 | $5,393-51.7% | $4,738-45.0% | $6,713-61.2% |
| Admin fee / account holder | $857 | $13,868-93.8% | $8,875-90.3% | $11,407-92.5% |