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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 | $32,498 | $57,140-43.1% | $85,240-61.9% | $80,959-59.9% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 10.43% | 21.71%-11.3pp | 66.75%-56.3pp | 35.67%-25.2pp |
| Employer contribution / active EE | $5,249 | $1,802+191.3% | $2,735+91.9% | $2,757+90.4% |
| Participant deferral / active EE | $1,296 | $3,115-58.4% | $4,527-71.4% | $4,300-69.9% |
| Admin fee / account holder | $2,688 | $4,992-46.1% | $6,165-56.4% | $6,925-61.2% |