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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 | $26,054 | $29,667-12.2% | $56,441-53.8% | $80,874-67.8% |
| Participation rate | 82.1% | 41.7%+40.4pp | 52.5%+29.6pp | 67.6%+14.4pp |
| Annual return | 7.06% | 35.22%-28.2pp | 1704.21%-1697.2pp | 35.62%-28.6pp |
| Employer contribution / active EE | $3,849 | $669+475.1% | $1,039+270.5% | $2,756+39.7% |
| Participant deferral / active EE | $438 | $1,227-64.3% | $1,953-77.6% | $4,297-89.8% |
| Admin fee / account holder | $630 | $2,429-74.1% | $2,829-77.7% | $6,935-90.9% |