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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 | $19,607 | $78,690-75.1% | $161,489-87.9% | $87,485-77.6% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 10.70% | 32.74%-22.0pp | 89.72%-79.0pp | 26.06%-15.4pp |
| Employer contribution / active EE | $2,116 | $2,588-18.3% | $4,268-50.4% | $2,596-18.5% |
| Participant deferral / active EE | $2,433 | $3,311-26.5% | $5,630-56.8% | $4,274-43.1% |
| Admin fee / account holder | $5,116 | $6,724-23.9% | $16,006-68.0% | $7,775-34.2% |