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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 | $37,943 | $96,731-60.8% | $123,973-69.4% | $86,983-56.4% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 10.73% | 17.33%-6.6pp | 388.13%-377.4pp | 25.83%-15.1pp |
| Employer contribution / active EE | $8,058 | $3,297+144.4% | $4,126+95.3% | $2,584+211.8% |
| Participant deferral / active EE | $2,632 | $4,152-36.6% | $5,247-49.8% | $4,194-37.3% |
| Admin fee / account holder | $4,309 | $8,722-50.6% | $11,799-63.5% | $7,856-45.1% |