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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 | $77,814-74.8% | $158,223-87.6% | $86,983-77.5% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 10.70% | 30.54%-19.8pp | 52.09%-41.4pp | 25.83%-15.1pp |
| Employer contribution / active EE | $2,116 | $2,592-18.4% | $4,109-48.5% | $2,584-18.1% |
| Participant deferral / active EE | $2,433 | $3,270-25.6% | $5,467-55.5% | $4,194-42.0% |
| Admin fee / account holder | $5,116 | $5,879-13.0% | $16,047-68.1% | $7,856-34.9% |