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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 | $155,079 | $176,402-12.1% | $134,162+15.6% | $158,982-2.5% |
| Participation rate | 100.0% | 78.7%+21.3pp | 72.2%+27.8pp | 82.0%+18.0pp |
| Annual return | 1.46% | 63.66%-62.2pp | 36.35%-34.9pp | 302.99%-301.5pp |
| Employer contribution / active EE | $2,608 | $5,042-48.3% | $3,705-29.6% | $4,763-45.2% |
| Participant deferral / active EE | $6,031 | $4,093+47.3% | $3,500+72.3% | $5,983+0.8% |
| Admin fee / account holder | $1,970 | $8,719-77.4% | $6,685-70.5% | $11,252-82.5% |