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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 | $119,414 | $106,923+11.7% | $84,023+42.1% | $152,909-21.9% |
| Participation rate | 100.0% | 75.3%+24.7pp | 69.0%+31.0pp | 82.5%+17.5pp |
| Annual return | 2.24% | 105.02%-102.8pp | 71.32%-69.1pp | 345.46%-343.2pp |
| Employer contribution / active EE | $3,789 | $2,735+38.5% | $1,984+91.0% | $4,764-20.5% |
| Participant deferral / active EE | $3,120 | $4,013-22.3% | $3,239-3.7% | $5,851-46.7% |
| Admin fee / account holder | $418 | $8,289-95.0% | $6,102-93.2% | $11,601-96.4% |