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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 | $30,786 | $65,361-52.9% | $92,903-66.9% | $72,983-57.8% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 15.75% | 42.11%-26.4pp | 109.43%-93.7pp | 81.01%-65.3pp |
| Employer contribution / active EE | $2,148 | $2,594-17.2% | $3,653-41.2% | $2,440-12.0% |
| Participant deferral / active EE | $2,091 | $3,128-33.1% | $4,238-50.6% | $3,608-42.0% |
| Admin fee / account holder | $3,050 | $4,251-28.3% | $5,795-47.4% | $5,124-40.5% |