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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 | $10,827 | $111,814-90.3% | $103,374-89.5% | $145,959-92.6% |
| Participation rate | 90.0% | 77.9%+12.1pp | 74.5%+15.5pp | 80.3%+9.7pp |
| Annual return | 4.90% | 24.77%-19.9pp | 24.89%-20.0pp | 561.95%-557.1pp |
| Employer contribution / active EE | $0 | $4,214-100.0% | $3,869-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $2,980 | $5,618-47.0% | $5,058-41.1% | $6,689-55.4% |
| Admin fee / account holder | $582 | $9,754-94.0% | $8,394-93.1% | $13,398-95.7% |