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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 | $110,337-48.2% | $102,383-44.1% | $145,877-60.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 6.64% | 24.83%-18.2pp | 24.94%-18.3pp | 551.28%-544.6pp |
| Employer contribution / active EE | $8,936 | $4,216+112.0% | $3,870+130.9% | $4,663+91.6% |
| Participant deferral / active EE | $12,053 | $5,621+114.4% | $5,060+138.2% | $6,691+80.2% |
| Admin fee / account holder | $698 | $9,750-92.8% | $8,391-91.7% | $13,402-94.8% |