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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 | $51,096 | $108,882-53.1% | $96,754-47.2% | $154,746-67.0% |
| Participation rate | 77.8% | 75.1%+2.7pp | 70.3%+7.5pp | 80.7%-2.9pp |
| Annual return | 7.81% | 98.39%-90.6pp | 82.04%-74.2pp | 172.34%-164.5pp |
| Employer contribution / active EE | $1,281 | $3,018-57.6% | $2,679-52.2% | $4,379-70.8% |
| Participant deferral / active EE | $7,907 | $5,323+48.5% | $4,758+66.2% | $6,730+17.5% |
| Admin fee / account holder | $304 | $10,200-97.0% | $8,905-96.6% | $14,365-97.9% |