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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 | $45,424 | $124,425-63.5% | $112,040-59.5% | $137,256-66.9% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 9.29% | 24.72%-15.4pp | 24.52%-15.2pp | 220.34%-211.0pp |
| Employer contribution / active EE | $1,634 | $3,411-52.1% | $2,954-44.7% | $4,156-60.7% |
| Participant deferral / active EE | $11,324 | $5,718+98.0% | $5,098+122.1% | $6,407+76.8% |
| Admin fee / account holder | $5,575 | $15,207-63.3% | $12,098-53.9% | $12,270-54.6% |