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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 | $43,481 | $65,367-33.5% | $92,915-53.2% | $72,976-40.4% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 14.02% | 42.11%-28.1pp | 109.45%-95.4pp | 81.02%-67.0pp |
| Employer contribution / active EE | $8,877 | $2,594+242.2% | $3,653+143.0% | $2,440+263.8% |
| Participant deferral / active EE | $1,833 | $3,128-41.4% | $4,238-56.8% | $3,608-49.2% |
| Admin fee / account holder | $2,161 | $4,251-49.2% | $5,796-62.7% | $5,124-57.8% |