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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 | $31,456 | $75,541-58.4% | $152,093-79.3% | $82,637-61.9% |
| Participation rate | 100.0% | 66.5%+33.5pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 12.31% | 32.56%-20.2pp | 66.36%-54.1pp | 53.51%-41.2pp |
| Employer contribution / active EE | $3,883 | $2,622+48.1% | $4,175-7.0% | $2,552+52.2% |
| Participant deferral / active EE | $2,002 | $3,206-37.5% | $5,451-63.3% | $4,126-51.5% |
| Admin fee / account holder | $1,958 | $6,405-69.4% | $14,497-86.5% | $7,339-73.3% |