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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 | $101,795-44.3% | $165,100-65.7% | $80,959-30.0% |
| Participation rate | 78.8% | 71.8%+7.0pp | 78.6%+0.2pp | 67.7%+11.1pp |
| Annual return | 6.59% | 16.73%-10.1pp | 70.21%-63.6pp | 35.67%-29.1pp |
| Employer contribution / active EE | $0 | $2,954-100.0% | $4,348-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $0 | $4,476-100.0% | $6,035-100.0% | $4,300-100.0% |
| Admin fee / account holder | $407 | $8,221-95.0% | $12,696-96.8% | $6,925-94.1% |