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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 | $17,063 | $110,410-84.5% | $102,437-83.3% | $145,897-88.3% |
| Participation rate | 94.4% | 77.9%+16.5pp | 74.5%+19.9pp | 80.3%+14.1pp |
| Annual return | 6.18% | 24.85%-18.7pp | 24.95%-18.8pp | 552.29%-546.1pp |
| Employer contribution / active EE | $2,025 | $4,217-52.0% | $3,871-47.7% | $4,663-56.6% |
| Participant deferral / active EE | $0 | $5,622-100.0% | $5,060-100.0% | $6,689-100.0% |
| Admin fee / account holder | $418 | $9,745-95.7% | $8,388-95.0% | $13,390-96.9% |