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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 | $37,483 | $95,415-60.7% | $185,851-79.8% | $85,851-56.3% |
| Participation rate | 97.4% | 68.8%+28.7pp | 81.7%+15.7pp | 69.3%+28.1pp |
| Annual return | 11.43% | 23.59%-12.2pp | 122.11%-110.7pp | 318.63%-307.2pp |
| Employer contribution / active EE | $2,339 | $3,314-29.4% | $5,168-54.7% | $2,565-8.8% |
| Participant deferral / active EE | $3,430 | $3,424+0.2% | $5,569-38.4% | $3,952-13.2% |
| Admin fee / account holder | $2,613 | $7,215-63.8% | $16,245-83.9% | $6,261-58.3% |