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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 | $110,337-73.4% | $102,383-71.3% | $145,877-79.8% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.5%+5.5pp | 80.3%-0.3pp |
| Annual return | 6.35% | 24.83%-18.5pp | 24.94%-18.6pp | 551.28%-544.9pp |
| Employer contribution / active EE | $1,349 | $4,216-68.0% | $3,870-65.1% | $4,663-71.1% |
| Participant deferral / active EE | $2,245 | $5,621-60.1% | $5,060-55.6% | $6,691-66.4% |
| Admin fee / account holder | $3,225 | $9,750-66.9% | $8,391-61.6% | $13,402-75.9% |