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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 | $42,759 | $157,304-72.8% | $141,197-69.7% | $152,909-72.0% |
| Participation rate | 85.7% | 84.8%+0.9pp | 82.5%+3.2pp | 82.5%+3.3pp |
| Annual return | 3.10% | 64.34%-61.2pp | 71.41%-68.3pp | 345.46%-342.4pp |
| Employer contribution / active EE | $1,475 | $5,263-72.0% | $4,736-68.8% | $4,764-69.0% |
| Participant deferral / active EE | $6,016 | $7,111-15.4% | $6,710-10.3% | $5,851+2.8% |
| Admin fee / account holder | $413 | $12,126-96.6% | $10,265-96.0% | $11,601-96.4% |