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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 | $42,621 | $91,198-53.3% | $178,503-76.1% | $79,856-46.6% |
| Participation rate | 93.2% | 69.2%+24.0pp | 81.9%+11.3pp | 69.6%+23.5pp |
| Annual return | 6.34% | 24.20%-17.9pp | 151.12%-144.8pp | 31.71%-25.4pp |
| Employer contribution / active EE | $1,364 | $3,257-58.1% | $5,011-72.8% | $2,471-44.8% |
| Participant deferral / active EE | $1,677 | $3,237-48.2% | $5,202-67.8% | $3,741-55.2% |
| Admin fee / account holder | $644 | $6,748-90.4% | $13,987-95.4% | $5,306-87.9% |