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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 | $45,093 | $91,179-50.5% | $178,499-74.7% | $79,852-43.5% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 4.62% | 24.19%-19.6pp | 151.10%-146.5pp | 31.72%-27.1pp |
| Employer contribution / active EE | $6,273 | $3,256+92.7% | $5,011+25.2% | $2,471+153.9% |
| Participant deferral / active EE | $3,545 | $3,236+9.6% | $5,202-31.9% | $3,740-5.2% |
| Admin fee / account holder | $1,674 | $6,749-75.2% | $13,986-88.0% | $5,306-68.4% |