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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 | $89,735 | $63,354+41.6% | $94,105-4.6% | $82,637+8.6% |
| Participation rate | 100.0% | 63.8%+36.2pp | 71.9%+28.1pp | 68.1%+31.9pp |
| Annual return | 12.70% | 34.36%-21.7pp | 204.55%-191.9pp | 53.51%-40.8pp |
| Employer contribution / active EE | $0 | $1,760-100.0% | $2,504-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $4,297 | $2,873+49.5% | $3,881+10.7% | $4,126+4.1% |
| Admin fee / account holder | $4,522 | $5,073-10.9% | $6,199-27.1% | $7,339-38.4% |