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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 | $78,859 | $102,609-23.1% | $98,090-19.6% | $138,895-43.2% |
| Participation rate | 100.0% | 82.8%+17.2pp | 81.5%+18.5pp | 79.9%+20.1pp |
| Annual return | 10.13% | 36.44%-26.3pp | 37.05%-26.9pp | 145.39%-135.3pp |
| Employer contribution / active EE | $283 | $3,867-92.7% | $3,606-92.2% | $4,194-93.3% |
| Participant deferral / active EE | $3,581 | $8,167-56.2% | $7,845-54.3% | $6,396-44.0% |
| Admin fee / account holder | $55,976 | $11,434+389.6% | $11,815+373.8% | $12,562+345.6% |