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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 | $28,563 | $78,682-63.7% | $109,188-73.8% | $85,851-66.7% |
| Participation rate | 96.3% | 68.3%+28.0pp | 75.9%+20.4pp | 69.3%+27.0pp |
| Annual return | 10.94% | 25.09%-14.2pp | 25.76%-14.8pp | 318.63%-307.7pp |
| Employer contribution / active EE | $7,984 | $2,734+192.0% | $3,723+114.4% | $2,565+211.2% |
| Participant deferral / active EE | $3,221 | $3,468-7.1% | $4,654-30.8% | $3,952-18.5% |
| Admin fee / account holder | $449 | $5,470-91.8% | $6,755-93.4% | $6,261-92.8% |