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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 | $51,235 | $53,841-4.8% | $75,731-32.3% | $85,851-40.3% |
| Participation rate | 91.8% | 69.0%+22.8pp | 74.8%+17.0pp | 69.3%+22.5pp |
| Annual return | 10.00% | 24.54%-14.5pp | 104.65%-94.6pp | 318.63%-308.6pp |
| Employer contribution / active EE | $0 | $2,017-100.0% | $2,743-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $2,488 | $2,895-14.1% | $3,820-34.9% | $3,952-37.1% |
| Admin fee / account holder | $320 | $3,340-90.4% | $3,620-91.2% | $6,261-94.9% |