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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 | $59,899 | $127,273-52.9% | $109,895-45.5% | $167,518-64.2% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 5.37% | 22.97%-17.6pp | 29.46%-24.1pp | 478.71%-473.3pp |
| Employer contribution / active EE | $8,587 | $3,324+158.3% | $2,843+202.0% | $4,838+77.5% |
| Participant deferral / active EE | $7,397 | $4,515+63.8% | $4,049+82.7% | $6,342+16.6% |
| Admin fee / account holder | $501 | $7,117-93.0% | $6,067-91.7% | $12,312-95.9% |