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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 | $30,510 | $124,330-75.5% | $109,173-72.1% | $167,536-81.8% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 3.64% | 26.04%-22.4pp | 25.75%-22.1pp | 478.82%-475.2pp |
| Employer contribution / active EE | $5,357 | $4,209+27.3% | $3,723+43.9% | $4,839+10.7% |
| Participant deferral / active EE | $3,415 | $5,256-35.0% | $4,654-26.6% | $6,342-46.1% |
| Admin fee / account holder | $1,073 | $7,974-86.5% | $6,755-84.1% | $12,315-91.3% |