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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 | $80,213 | $57,828+38.7% | $117,039-31.5% | $70,124+14.4% |
| Participation rate | 100.0% | 67.1%+32.9pp | 77.2%+22.8pp | 69.5%+30.5pp |
| Annual return | 9.72% | 17.55%-7.8pp | 18.95%-9.2pp | 73.14%-63.4pp |
| Employer contribution / active EE | $1,006 | $1,816-44.6% | $3,785-73.4% | $2,342-57.1% |
| Participant deferral / active EE | $2,471 | $2,438+1.4% | $3,929-37.1% | $3,332-25.8% |
| Admin fee / account holder | $989 | $3,548-72.1% | $5,974-83.4% | $4,645-78.7% |