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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 | $45,457 | $77,908-41.7% | $149,696-69.6% | $75,173-39.5% |
| Participation rate | 84.4% | 65.6%+18.9pp | 78.8%+5.7pp | 67.2%+17.2pp |
| Annual return | 12.68% | 31.73%-19.0pp | 134.46%-121.8pp | 160.72%-148.0pp |
| Employer contribution / active EE | $1,595 | $3,138-49.2% | $4,821-66.9% | $2,671-40.3% |
| Participant deferral / active EE | $3,334 | $3,411-2.3% | $5,682-41.3% | $4,126-19.2% |
| Admin fee / account holder | $1,773 | $5,950-70.2% | $13,212-86.6% | $5,651-68.6% |