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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 | $35,727 | $110,379-67.6% | $102,412-65.1% | $145,884-75.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 6.97% | 24.84%-17.9pp | 24.94%-18.0pp | 551.85%-544.9pp |
| Employer contribution / active EE | $2,329 | $4,216-44.8% | $3,870-39.8% | $4,662-50.0% |
| Participant deferral / active EE | $11,317 | $5,622+101.3% | $5,060+123.6% | $6,690+69.2% |
| Admin fee / account holder | $343 | $9,745-96.5% | $8,388-95.9% | $13,392-97.4% |