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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 | $31,464 | $88,702-64.5% | $81,780-61.5% | $145,978-78.4% |
| Participation rate | 94.4% | 75.0%+19.4pp | 72.4%+22.1pp | 80.3%+14.2pp |
| Annual return | 7.39% | 1029.12%-1021.7pp | 776.27%-768.9pp | 550.52%-543.1pp |
| Employer contribution / active EE | $2,115 | $3,084-31.4% | $2,914-27.4% | $4,662-54.6% |
| Participant deferral / active EE | $3,378 | $4,645-27.3% | $4,321-21.8% | $6,690-49.5% |
| Admin fee / account holder | $1,788 | $8,414-78.7% | $7,384-75.8% | $13,400-86.7% |