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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 | $22,835 | $78,682-71.0% | $109,188-79.1% | $85,851-73.4% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 8.48% | 25.09%-16.6pp | 25.76%-17.3pp | 318.63%-310.2pp |
| Employer contribution / active EE | $7,769 | $2,734+184.2% | $3,723+108.7% | $2,565+202.8% |
| Participant deferral / active EE | $1,815 | $3,468-47.7% | $4,654-61.0% | $3,952-54.1% |
| Admin fee / account holder | $996 | $5,470-81.8% | $6,755-85.3% | $6,261-84.1% |