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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 | $56,674 | $101,763-44.3% | $164,866-65.6% | $80,874-29.9% |
| Participation rate | 78.8% | 71.8%+7.0pp | 78.6%+0.2pp | 67.6%+11.1pp |
| Annual return | 6.59% | 16.73%-10.1pp | 69.97%-63.4pp | 35.62%-29.0pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,343-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $0 | $4,477-100.0% | $6,033-100.0% | $4,297-100.0% |
| Admin fee / account holder | $407 | $8,228-95.0% | $12,689-96.8% | $6,935-94.1% |