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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 | $36,652 | $65,395-44.0% | $182,558-79.9% | $72,976-49.8% |
| Participation rate | 81.7% | 65.4%+16.2pp | 78.0%+3.7pp | 69.5%+12.2pp |
| Annual return | 12.12% | 27.68%-15.6pp | 148.59%-136.5pp | 81.02%-68.9pp |
| Employer contribution / active EE | $1,007 | $1,911-47.3% | $4,076-75.3% | $2,440-58.7% |
| Participant deferral / active EE | $2,906 | $3,563-18.4% | $5,526-47.4% | $3,608-19.4% |
| Admin fee / account holder | $1,779 | $4,245-58.1% | $8,594-79.3% | $5,124-65.3% |