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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 | $32,393 | $124,346-73.9% | $111,308-70.9% | $167,536-80.7% |
| Participation rate | 87.5% | 79.6%+7.9pp | 77.3%+10.2pp | 82.1%+5.4pp |
| Annual return | 2.90% | 37.45%-34.6pp | 54.67%-51.8pp | 478.82%-475.9pp |
| Employer contribution / active EE | $6,743 | $3,437+96.2% | $2,732+146.8% | $4,839+39.3% |
| Participant deferral / active EE | $6,764 | $5,182+30.5% | $4,487+50.7% | $6,342+6.7% |
| Admin fee / account holder | $678 | $10,621-93.6% | $7,965-91.5% | $12,315-94.5% |