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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 | $47,015 | $127,273-63.1% | $109,895-57.2% | $167,518-71.9% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 5.73% | 22.97%-17.2pp | 29.46%-23.7pp | 478.71%-473.0pp |
| Employer contribution / active EE | $1,679 | $3,324-49.5% | $2,843-40.9% | $4,838-65.3% |
| Participant deferral / active EE | $2,542 | $4,515-43.7% | $4,049-37.2% | $6,342-59.9% |
| Admin fee / account holder | $392 | $7,117-94.5% | $6,067-93.5% | $12,312-96.8% |