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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 | $43,688 | $124,314-64.9% | $109,163-60.0% | $167,518-73.9% |
| Participation rate | 94.4% | 79.4%+15.0pp | 75.9%+18.6pp | 82.1%+12.3pp |
| Annual return | 7.15% | 26.04%-18.9pp | 25.75%-18.6pp | 478.71%-471.6pp |
| Employer contribution / active EE | $1,120 | $4,209-73.4% | $3,723-69.9% | $4,838-76.9% |
| Participant deferral / active EE | $4,464 | $5,256-15.1% | $4,654-4.1% | $6,342-29.6% |
| Admin fee / account holder | $21,803 | $7,973+173.5% | $6,754+222.8% | $12,312+77.1% |