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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 | $27,194 | $51,207-46.9% | $70,565-61.5% | $75,177-63.8% |
| Participation rate | 86.8% | 61.0%+25.8pp | 68.4%+18.4pp | 67.2%+19.6pp |
| Annual return | 12.55% | 30.05%-17.5pp | 32.79%-20.2pp | 160.75%-148.2pp |
| Employer contribution / active EE | $819 | $1,826-55.2% | $2,976-72.5% | $2,671-69.3% |
| Participant deferral / active EE | $1,579 | $2,850-44.6% | $4,568-65.4% | $4,126-61.7% |
| Admin fee / account holder | $2,712 | $4,097-33.8% | $6,430-57.8% | $5,651-52.0% |