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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 | $35,831 | $112,729-68.2% | $98,716-63.7% | $137,256-73.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 9.17% | 38.48%-29.3pp | 31.81%-22.6pp | 220.34%-211.2pp |
| Employer contribution / active EE | $1,721 | $2,725-36.9% | $2,279-24.5% | $4,156-58.6% |
| Participant deferral / active EE | $2,233 | $4,640-51.9% | $4,048-44.8% | $6,407-65.1% |
| Admin fee / account holder | $1,211 | $10,129-88.0% | $8,703-86.1% | $12,270-90.1% |