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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 | $20,741 | $95,406-78.3% | $185,849-88.8% | $85,847-75.8% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 10.00% | 23.59%-13.6pp | 122.10%-112.1pp | 318.61%-308.6pp |
| Employer contribution / active EE | $1,628 | $3,314-50.9% | $5,169-68.5% | $2,565-36.6% |
| Participant deferral / active EE | $1,207 | $3,424-64.8% | $5,569-78.3% | $3,952-69.5% |
| Admin fee / account holder | $705 | $7,214-90.2% | $16,244-95.7% | $6,261-88.7% |