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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 | $44,614 | $51,638-13.6% | $68,368-34.7% | $82,448-45.9% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 13.20% | 37.53%-24.3pp | 292.57%-279.4pp | 41.64%-28.4pp |
| Employer contribution / active EE | $515 | $2,047-74.8% | $2,649-80.6% | $2,551-79.8% |
| Participant deferral / active EE | $3,560 | $2,914+22.2% | $4,123-13.7% | $4,139-14.0% |
| Admin fee / account holder | $3,583 | $4,643-22.8% | $5,150-30.4% | $7,234-50.5% |