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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 | $32,260 | $67,602-52.3% | $82,312-60.8% | $70,126-54.0% |
| Participation rate | 82.9% | 72.8%+10.2pp | 76.9%+6.0pp | 69.5%+13.4pp |
| Annual return | 11.11% | 21.57%-10.5pp | 25.88%-14.8pp | 73.15%-62.0pp |
| Employer contribution / active EE | $426 | $1,755-75.7% | $2,428-82.4% | $2,343-81.8% |
| Participant deferral / active EE | $2,289 | $2,987-23.4% | $3,706-38.2% | $3,332-31.3% |
| Admin fee / account holder | $880 | $4,512-80.5% | $5,608-84.3% | $4,645-81.0% |