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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 | $37,082 | $95,406-61.1% | $185,849-80.0% | $85,847-56.8% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 7.79% | 23.59%-15.8pp | 122.10%-114.3pp | 318.61%-310.8pp |
| Employer contribution / active EE | $1,955 | $3,314-41.0% | $5,169-62.2% | $2,565-23.8% |
| Participant deferral / active EE | $4,144 | $3,424+21.0% | $5,569-25.6% | $3,952+4.8% |
| Admin fee / account holder | $5,741 | $7,214-20.4% | $16,244-64.7% | $6,261-8.3% |