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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 | $42,461 | $88,707-52.1% | $74,184-42.8% | $273,972-84.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 0.92% | 11.94%-11.0pp | 17.74%-16.8pp | 41.46%-40.5pp |
| Employer contribution / active EE | $8,085 | $3,159+155.9% | $2,370+241.1% | $4,869+66.1% |
| Participant deferral / active EE | $6,098 | $4,212+44.8% | $3,550+71.8% | $5,287+15.3% |
| Admin fee / account holder | $712 | $8,717-91.8% | $5,586-87.3% | $10,133-93.0% |