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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 | $33,315 | $118,488-71.9% | $98,462-66.2% | $139,487-76.1% |
| Participation rate | 100.0% | 77.5%+22.5pp | 75.2%+24.8pp | 80.3%+19.7pp |
| Annual return | 8.03% | 18.96%-10.9pp | 21.17%-13.1pp | 373.84%-365.8pp |
| Employer contribution / active EE | $8,996 | $3,611+149.2% | $3,049+195.1% | $4,755+89.2% |
| Participant deferral / active EE | $3,777 | $5,393-30.0% | $4,738-20.3% | $6,713-43.7% |
| Admin fee / account holder | $1,098 | $13,868-92.1% | $8,875-87.6% | $11,407-90.4% |