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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 | $33,507 | $48,277-30.6% | $67,511-50.4% | $80,874-58.6% |
| Participation rate | 96.0% | 66.4%+29.6pp | 72.9%+23.1pp | 67.6%+28.4pp |
| Annual return | 10.71% | 18.27%-7.6pp | 3517.41%-3506.7pp | 35.62%-24.9pp |
| Employer contribution / active EE | $2,048 | $2,021+1.3% | $2,733-25.1% | $2,756-25.7% |
| Participant deferral / active EE | $2,993 | $2,926+2.3% | $4,000-25.2% | $4,297-30.4% |
| Admin fee / account holder | $2,834 | $3,687-23.1% | $3,999-29.1% | $6,935-59.1% |