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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 | $28,397 | $89,370-68.2% | $141,197-79.9% | $72,976-61.1% |
| Participation rate | 90.0% | 75.1%+14.9pp | 82.5%+7.5pp | 69.5%+20.5pp |
| Annual return | 18.42% | 111.88%-93.5pp | 71.41%-53.0pp | 81.02%-62.6pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $3,578 | $5,419-34.0% | $6,710-46.7% | $3,608-0.8% |
| Admin fee / account holder | $6,334 | $5,957+6.3% | $10,265-38.3% | $5,124+23.6% |