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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 | $45,471 | $93,617-51.4% | $135,982-66.6% | $75,177-39.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | -0.42% | 30.89%-31.3pp | 68.32%-68.7pp | 160.75%-161.2pp |
| Employer contribution / active EE | $6,434 | $3,538+81.8% | $4,859+32.4% | $2,671+140.9% |
| Participant deferral / active EE | $8,013 | $6,406+25.1% | $7,760+3.3% | $4,126+94.2% |
| Admin fee / account holder | $855 | $6,980-87.7% | $10,767-92.1% | $5,651-84.9% |