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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 | $57,209 | $111,814-48.8% | $103,374-44.7% | $145,959-60.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 6.64% | 24.77%-18.1pp | 24.89%-18.3pp | 561.95%-555.3pp |
| Employer contribution / active EE | $8,936 | $4,214+112.1% | $3,869+130.9% | $4,661+91.7% |
| Participant deferral / active EE | $12,053 | $5,618+114.5% | $5,058+138.3% | $6,689+80.2% |
| Admin fee / account holder | $698 | $9,754-92.8% | $8,394-91.7% | $13,398-94.8% |