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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 | $63,035 | $100,073-37.0% | $85,126-26.0% | $145,877-56.8% |
| Participation rate | 71.4% | 74.1%-2.7pp | 67.5%+3.9pp | 80.3%-8.9pp |
| Annual return | 3.87% | 84.11%-80.2pp | 66.63%-62.8pp | 551.28%-547.4pp |
| Employer contribution / active EE | $15,362 | $3,236+374.7% | $2,731+462.4% | $4,663+229.4% |
| Participant deferral / active EE | $8,714 | $5,294+64.6% | $4,523+92.7% | $6,691+30.2% |
| Admin fee / account holder | $791 | $7,261-89.1% | $6,160-87.2% | $13,402-94.1% |