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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 | $68,069 | $78,705-13.5% | $117,860-42.2% | $70,124-2.9% |
| Participation rate | 100.0% | 73.2%+26.8pp | 79.7%+20.3pp | 69.5%+30.5pp |
| Annual return | 9.36% | 23.30%-13.9pp | 335.10%-325.7pp | 73.14%-63.8pp |
| Employer contribution / active EE | $1,754 | $2,223-21.1% | $3,786-53.7% | $2,342-25.1% |
| Participant deferral / active EE | $3,144 | $3,297-4.7% | $4,482-29.9% | $3,332-5.6% |
| Admin fee / account holder | $1,323 | $5,065-73.9% | $8,021-83.5% | $4,645-71.5% |