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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 | $76,407-74.3% | $150,298-87.0% | $82,448-76.2% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 10.70% | 39.99%-29.3pp | 62.79%-52.1pp | 41.64%-30.9pp |
| Employer contribution / active EE | $2,116 | $2,614-19.1% | $4,154-49.1% | $2,551-17.1% |
| Participant deferral / active EE | $2,433 | $3,214-24.3% | $5,453-55.4% | $4,139-41.2% |
| Admin fee / account holder | $5,116 | $6,352-19.5% | $14,116-63.8% | $7,234-29.3% |