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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 | $53,128-32.9% | $86,582-58.8% | $70,126-49.2% |
| Participation rate | 89.7% | 65.3%+24.4pp | 73.5%+16.1pp | 69.5%+20.1pp |
| Annual return | 10.29% | 27.66%-17.4pp | 965.08%-954.8pp | 73.15%-62.9pp |
| Employer contribution / active EE | $1,576 | $2,068-23.8% | $2,839-44.5% | $2,343-32.7% |
| Participant deferral / active EE | $2,412 | $2,695-10.5% | $3,609-33.1% | $3,332-27.6% |
| Admin fee / account holder | $1,805 | $3,584-49.6% | $4,904-63.2% | $4,645-61.1% |