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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 | $56,918 | $77,449-26.5% | $69,483-18.1% | $152,909-62.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 74.6%+25.4pp | 82.5%+17.5pp |
| Annual return | 3.60% | 39.09%-35.5pp | 28.99%-25.4pp | 345.46%-341.9pp |
| Employer contribution / active EE | $5,040 | $3,316+52.0% | $2,780+81.3% | $4,764+5.8% |
| Participant deferral / active EE | $2,368 | $4,415-46.4% | $3,537-33.0% | $5,851-59.5% |
| Admin fee / account holder | $333 | $6,210-94.6% | $3,841-91.3% | $11,601-97.1% |