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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 | $29,405 | $111,814-73.7% | $103,374-71.6% | $145,959-79.9% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.5%+5.5pp | 80.3%-0.3pp |
| Annual return | 6.35% | 24.77%-18.4pp | 24.89%-18.5pp | 561.95%-555.6pp |
| Employer contribution / active EE | $1,349 | $4,214-68.0% | $3,869-65.1% | $4,661-71.0% |
| Participant deferral / active EE | $2,245 | $5,618-60.0% | $5,058-55.6% | $6,689-66.4% |
| Admin fee / account holder | $3,225 | $9,754-66.9% | $8,394-61.6% | $13,398-75.9% |