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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 | $49,180 | $106,247-53.7% | $96,515-49.0% | $139,466-64.7% |
| Participation rate | 100.0% | 77.8%+22.2pp | 74.3%+25.7pp | 80.3%+19.7pp |
| Annual return | 10.25% | 38.47%-28.2pp | 35.73%-25.5pp | 373.66%-363.4pp |
| Employer contribution / active EE | $2,951 | $4,106-28.1% | $3,740-21.1% | $4,754-37.9% |
| Participant deferral / active EE | $9,100 | $5,456+66.8% | $4,880+86.5% | $6,712+35.6% |
| Admin fee / account holder | $4,972 | $7,885-36.9% | $6,735-26.2% | $11,409-56.4% |