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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 | $35,630 | $53,127-32.9% | $86,597-58.9% | $70,131-49.2% |
| Participation rate | 89.7% | 65.3%+24.3pp | 73.5%+16.1pp | 69.5%+20.1pp |
| Annual return | 10.29% | 27.66%-17.4pp | 964.96%-954.7pp | 73.14%-62.9pp |
| Employer contribution / active EE | $1,576 | $2,068-23.8% | $2,840-44.5% | $2,342-32.7% |
| Participant deferral / active EE | $2,412 | $2,696-10.5% | $3,609-33.1% | $3,332-27.6% |
| Admin fee / account holder | $1,805 | $3,585-49.7% | $4,906-63.2% | $4,645-61.1% |