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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 | $40,207 | $100,003-59.8% | $146,685-72.6% | $85,856-53.2% |
| Participation rate | 80.0% | 73.1%+6.9pp | 80.1%-0.1pp | 69.3%+10.7pp |
| Annual return | 4.88% | 18.93%-14.1pp | 22.75%-17.9pp | 318.58%-313.7pp |
| Employer contribution / active EE | $0 | $2,559-100.0% | $4,137-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $6,417 | $4,006+60.2% | $5,507+16.5% | $3,952+62.4% |
| Admin fee / account holder | $11,800 | $7,704+53.2% | $10,281+14.8% | $6,261+88.5% |