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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 | $31,889 | $98,776-67.7% | $149,745-78.7% | $79,856-60.1% |
| Participation rate | 96.2% | 75.8%+20.4pp | 82.5%+13.7pp | 69.6%+26.5pp |
| Annual return | 12.33% | 27.38%-15.0pp | 276.72%-264.4pp | 31.71%-19.4pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $3,462 | $5,681-39.1% | $6,843-49.4% | $3,741-7.4% |
| Admin fee / account holder | $2,241 | $6,053-63.0% | $9,312-75.9% | $5,306-57.8% |