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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 | $21,972 | $47,944-54.2% | $67,834-67.6% | $62,881-65.1% |
| Participation rate | 100.0% | 61.1%+38.9pp | 68.8%+31.2pp | 69.3%+30.7pp |
| Annual return | 3.62% | 11.77%-8.1pp | 138.47%-134.9pp | 20.14%-16.5pp |
| Employer contribution / active EE | $1,546 | $1,562-1.0% | $2,403-35.7% | $2,281-32.2% |
| Participant deferral / active EE | $1,477 | $2,247-34.2% | $3,160-53.2% | $3,203-53.9% |
| Admin fee / account holder | $1,560 | $3,712-58.0% | $4,622-66.2% | $4,296-63.7% |