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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 | $20,334 | $72,177-71.8% | $115,037-82.3% | $59,633-65.9% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | -4.01% | 12.02%-16.0pp | 26.14%-30.1pp | 2041.40%-2045.4pp |
| Employer contribution / active EE | $4,025 | $2,841+41.7% | $4,608-12.6% | $2,203+82.8% |
| Participant deferral / active EE | $3,055 | $4,783-36.1% | $6,026-49.3% | $3,192-4.3% |
| Admin fee / account holder | $3,597 | $4,927-27.0% | $8,175-56.0% | $4,297-16.3% |