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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 | $65,610 | $55,684+17.8% | $75,900-13.6% | $72,976-10.1% |
| Participation rate | 86.7% | 61.1%+25.5pp | 69.3%+17.4pp | 69.5%+17.2pp |
| Annual return | 13.25% | 27.60%-14.3pp | 30.73%-17.5pp | 81.02%-67.8pp |
| Employer contribution / active EE | $498 | $1,687-70.5% | $2,501-80.1% | $2,440-79.6% |
| Participant deferral / active EE | $4,894 | $2,634+85.8% | $3,604+35.8% | $3,608+35.6% |
| Admin fee / account holder | $2,183 | $3,981-45.2% | $5,421-59.7% | $5,124-57.4% |