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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 | $24,428 | $47,944-49.0% | $67,834-64.0% | $62,881-61.2% |
| Participation rate | 100.0% | 61.1%+38.9pp | 68.8%+31.2pp | 69.3%+30.7pp |
| Annual return | 4.11% | 11.77%-7.7pp | 138.47%-134.4pp | 20.14%-16.0pp |
| Employer contribution / active EE | $3,080 | $1,562+97.2% | $2,403+28.1% | $2,281+35.0% |
| Participant deferral / active EE | $2,019 | $2,247-10.1% | $3,160-36.1% | $3,203-37.0% |
| Admin fee / account holder | $1,542 | $3,712-58.5% | $4,622-66.6% | $4,296-64.1% |