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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 | $37,499 | $72,273-48.1% | $101,275-63.0% | $79,856-53.0% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 9.18% | 22.30%-13.1pp | 46.48%-37.3pp | 31.71%-22.5pp |
| Employer contribution / active EE | $13,853 | $2,691+414.8% | $3,660+278.5% | $2,471+460.6% |
| Participant deferral / active EE | $3,671 | $3,282+11.9% | $4,371-16.0% | $3,741-1.8% |
| Admin fee / account holder | $8,644 | $4,401+96.4% | $5,948+45.3% | $5,306+62.9% |