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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 | $42,716 | $98,776-56.8% | $149,745-71.5% | $79,856-46.5% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 11.91% | 27.38%-15.5pp | 276.72%-264.8pp | 31.71%-19.8pp |
| Employer contribution / active EE | $7,739 | $3,217+140.6% | $4,646+66.6% | $2,471+213.2% |
| Participant deferral / active EE | $6,796 | $5,681+19.6% | $6,843-0.7% | $3,741+81.7% |
| Admin fee / account holder | $3,342 | $6,053-44.8% | $9,312-64.1% | $5,306-37.0% |