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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 | $29,585 | $117,895-74.9% | $102,460-71.1% | $145,897-79.7% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 6.04% | 31.92%-25.9pp | 29.47%-23.4pp | 552.29%-546.3pp |
| Employer contribution / active EE | $2,228 | $3,619-38.4% | $3,025-26.4% | $4,663-52.2% |
| Participant deferral / active EE | $2,890 | $5,736-49.6% | $5,056-42.8% | $6,689-56.8% |
| Admin fee / account holder | $423 | $13,353-96.8% | $9,460-95.5% | $13,390-96.8% |