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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 | $86,726 | $115,917-25.2% | $100,535-13.7% | $158,982-45.4% |
| Participation rate | 84.6% | 81.6%+3.0pp | 79.4%+5.2pp | 82.0%+2.6pp |
| Annual return | 2.75% | 34.80%-32.1pp | 30.90%-28.1pp | 302.99%-300.2pp |
| Employer contribution / active EE | $9,615 | $4,105+134.2% | $3,419+181.3% | $4,763+101.9% |
| Participant deferral / active EE | $3,445 | $6,677-48.4% | $6,271-45.1% | $5,983-42.4% |
| Admin fee / account holder | $486 | $11,002-95.6% | $8,085-94.0% | $11,252-95.7% |