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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 | $58,029 | $80,992-28.4% | $96,534-39.9% | $75,173-22.8% |
| Participation rate | 75.0% | 71.8%+3.2pp | 76.0%-1.0pp | 67.2%+7.8pp |
| Annual return | 11.42% | 27.05%-15.6pp | 25.88%-14.5pp | 160.72%-149.3pp |
| Employer contribution / active EE | $924 | $2,283-59.5% | $2,965-68.8% | $2,671-65.4% |
| Participant deferral / active EE | $1,899 | $3,929-51.7% | $4,851-60.8% | $4,126-54.0% |
| Admin fee / account holder | $395 | $6,717-94.1% | $8,253-95.2% | $5,651-93.0% |