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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 | $62,629 | $73,988-15.4% | $96,538-35.1% | $75,177-16.7% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 0.62% | 26.73%-26.1pp | 35.74%-35.1pp | 160.75%-160.1pp |
| Employer contribution / active EE | $7,714 | $2,930+163.3% | $3,740+106.3% | $2,671+188.8% |
| Participant deferral / active EE | $2,806 | $3,660-23.3% | $4,880-42.5% | $4,126-32.0% |
| Admin fee / account holder | $456 | $5,220-91.3% | $6,737-93.2% | $5,651-91.9% |