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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 | $59,417 | $91,198-34.8% | $178,503-66.7% | $79,856-25.6% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 9.39% | 24.20%-14.8pp | 151.12%-141.7pp | 31.71%-22.3pp |
| Employer contribution / active EE | $2,169 | $3,257-33.4% | $5,011-56.7% | $2,471-12.2% |
| Participant deferral / active EE | $4,075 | $3,237+25.9% | $5,202-21.7% | $3,741+8.9% |
| Admin fee / account holder | $979 | $6,748-85.5% | $13,987-93.0% | $5,306-81.6% |