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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 | $42,956 | $85,766-49.9% | $136,298-68.5% | $70,126-38.7% |
| Participation rate | 100.0% | 74.2%+25.8pp | 81.9%+18.1pp | 69.5%+30.5pp |
| Annual return | 13.33% | 31.46%-18.1pp | 5156.27%-5142.9pp | 73.15%-59.8pp |
| Employer contribution / active EE | $2,667 | $2,966-10.1% | $4,696-43.2% | $2,343+13.8% |
| Participant deferral / active EE | $4,082 | $5,051-19.2% | $6,247-34.7% | $3,332+22.5% |
| Admin fee / account holder | $606 | $5,421-88.8% | $9,244-93.4% | $4,645-86.9% |