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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 | $35,357 | $62,592-43.5% | $85,709-58.7% | $85,847-58.8% |
| Participation rate | 95.2% | 61.1%+34.0pp | 69.9%+25.3pp | 69.3%+25.8pp |
| Annual return | 10.87% | 23.77%-12.9pp | 21.49%-10.6pp | 318.61%-307.7pp |
| Employer contribution / active EE | $978 | $1,755-44.3% | $2,619-62.7% | $2,565-61.9% |
| Participant deferral / active EE | $2,298 | $2,802-18.0% | $3,924-41.4% | $3,952-41.9% |
| Admin fee / account holder | $6,177 | $4,643+33.1% | $6,876-10.2% | $6,261-1.3% |