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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 | $68,136 | $85,171-20.0% | $172,752-60.6% | $72,975-6.6% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 13.28% | 27.32%-14.0pp | 802.97%-789.7pp | 81.01%-67.7pp |
| Employer contribution / active EE | $2,928 | $3,324-11.9% | $5,144-43.1% | $2,440+20.0% |
| Participant deferral / active EE | $6,907 | $3,260+111.9% | $5,198+32.9% | $3,608+91.4% |
| Admin fee / account holder | $658 | $5,880-88.8% | $13,955-95.3% | $5,124-87.2% |