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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 | $17,573 | $114,119-84.6% | $107,187-83.6% | $138,895-87.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 10.29% | 273.21%-262.9pp | 204.55%-194.3pp | 145.39%-135.1pp |
| Employer contribution / active EE | $2,153 | $4,059-47.0% | $3,782-43.1% | $4,194-48.7% |
| Participant deferral / active EE | $4,543 | $5,538-18.0% | $5,096-10.9% | $6,396-29.0% |
| Admin fee / account holder | $3,344 | $10,024-66.6% | $9,162-63.5% | $12,562-73.4% |