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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 | $91,418 | $78,707+16.2% | $117,861-22.4% | $70,126+30.4% |
| Participation rate | 100.0% | 73.2%+26.8pp | 79.7%+20.3pp | 69.5%+30.5pp |
| Annual return | 9.48% | 23.30%-13.8pp | 335.11%-325.6pp | 73.15%-63.7pp |
| Employer contribution / active EE | $1,668 | $2,223-25.0% | $3,786-56.0% | $2,343-28.8% |
| Participant deferral / active EE | $3,073 | $3,297-6.8% | $4,482-31.4% | $3,332-7.8% |
| Admin fee / account holder | $2,209 | $5,066-56.4% | $8,021-72.5% | $4,645-52.5% |