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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 | $19,121 | $95,415-80.0% | $185,851-89.7% | $85,851-77.7% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 10.50% | 23.59%-13.1pp | 122.11%-111.6pp | 318.63%-308.1pp |
| Employer contribution / active EE | $1,767 | $3,314-46.7% | $5,168-65.8% | $2,565-31.1% |
| Participant deferral / active EE | $1,346 | $3,424-60.7% | $5,569-75.8% | $3,952-66.0% |
| Admin fee / account holder | $4,648 | $7,215-35.6% | $16,245-71.4% | $6,261-25.8% |