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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 | $71,230 | $101,795-30.0% | $165,100-56.9% | $80,959-12.0% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 5.22% | 16.73%-11.5pp | 70.21%-65.0pp | 35.67%-30.4pp |
| Employer contribution / active EE | $819 | $2,954-72.3% | $4,348-81.2% | $2,757-70.3% |
| Participant deferral / active EE | $2,579 | $4,476-42.4% | $6,035-57.3% | $4,300-40.0% |
| Admin fee / account holder | $7,002 | $8,221-14.8% | $12,696-44.8% | $6,925+1.1% |