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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 | $46,539 | $99,345-53.2% | $84,753-45.1% | $273,972-83.0% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 1.64% | 22.93%-21.3pp | 22.78%-21.1pp | 41.46%-39.8pp |
| Employer contribution / active EE | $13,016 | $4,214+208.9% | $3,574+264.1% | $4,869+167.3% |
| Participant deferral / active EE | $3,513 | $4,270-17.7% | $3,712-5.4% | $5,287-33.6% |
| Admin fee / account holder | $2,849 | $6,645-57.1% | $5,333-46.6% | $10,133-71.9% |