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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 | $28,233 | $52,279-46.0% | $89,435-68.4% | $79,856-64.6% |
| Participation rate | 100.0% | 57.5%+42.5pp | 68.0%+32.0pp | 69.6%+30.4pp |
| Annual return | 10.36% | 22.16%-11.8pp | 245.55%-235.2pp | 31.71%-21.4pp |
| Employer contribution / active EE | $923 | $1,572-41.3% | $2,587-64.3% | $2,471-62.6% |
| Participant deferral / active EE | $1,206 | $2,740-56.0% | $3,890-69.0% | $3,741-67.8% |
| Admin fee / account holder | $553 | $3,356-83.5% | $4,884-88.7% | $5,306-89.6% |