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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 | $36,818 | $76,407-51.8% | $150,298-75.5% | $82,448-55.3% |
| Participation rate | 85.2% | 66.4%+18.8pp | 77.8%+7.5pp | 68.1%+17.2pp |
| Annual return | 12.81% | 39.99%-27.2pp | 62.79%-50.0pp | 41.64%-28.8pp |
| Employer contribution / active EE | $830 | $2,614-68.2% | $4,154-80.0% | $2,551-67.5% |
| Participant deferral / active EE | $3,448 | $3,214+7.3% | $5,453-36.8% | $4,139-16.7% |
| Admin fee / account holder | $1,438 | $6,352-77.4% | $14,116-89.8% | $7,234-80.1% |