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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 | $60,931 | $114,013-46.6% | $103,693-41.2% | $155,188-60.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 80.8%+19.2pp |
| Annual return | 6.00% | 49.31%-43.3pp | 47.61%-41.6pp | 148.84%-142.8pp |
| Employer contribution / active EE | $3,114 | $3,131-0.5% | $2,920+6.6% | $4,248-26.7% |
| Participant deferral / active EE | $1,402 | $4,970-71.8% | $4,579-69.4% | $6,531-78.5% |
| Admin fee / account holder | $24,119 | $8,407+186.9% | $7,858+206.9% | $14,480+66.6% |