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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 | $86,915 | $228,395-61.9% | $185,861-53.2% | $158,982-45.3% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 0.12% | 40.82%-40.7pp | 35.96%-35.8pp | 302.99%-302.9pp |
| Employer contribution / active EE | $1,765 | $4,968-64.5% | $4,088-56.8% | $4,763-62.9% |
| Participant deferral / active EE | $10,413 | $6,417+62.3% | $5,634+84.8% | $5,983+74.0% |
| Admin fee / account holder | $863 | $11,869-92.7% | $9,503-90.9% | $11,252-92.3% |