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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 | $73,661 | $110,307-33.2% | $96,576-23.7% | $139,456-47.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 76.0%+24.0pp | 80.3%+19.7pp |
| Annual return | 3.64% | 26.40%-22.8pp | 25.87%-22.2pp | 373.45%-369.8pp |
| Employer contribution / active EE | $899 | $3,619-75.2% | $2,965-69.7% | $4,753-81.1% |
| Participant deferral / active EE | $6,050 | $5,547+9.1% | $4,851+24.7% | $6,711-9.9% |
| Admin fee / account holder | $31,617 | $11,597+172.6% | $8,253+283.1% | $11,407+177.2% |