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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 | $54,634 | $124,314-56.1% | $109,163-50.0% | $167,518-67.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 9.12% | 26.04%-16.9pp | 25.75%-16.6pp | 478.71%-469.6pp |
| Employer contribution / active EE | $9,022 | $4,209+114.4% | $3,723+142.4% | $4,838+86.5% |
| Participant deferral / active EE | $9,899 | $5,256+88.3% | $4,654+112.7% | $6,342+56.1% |
| Admin fee / account holder | $2,310 | $7,973-71.0% | $6,754-65.8% | $12,312-81.2% |