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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 | $13,052 | $29,716-56.1% | $56,077-76.7% | $80,925-83.9% |
| Participation rate | 89.2% | 41.7%+47.5pp | 52.5%+36.7pp | 67.7%+21.5pp |
| Annual return | 1.61% | 35.30%-33.7pp | 1709.28%-1707.7pp | 35.65%-34.0pp |
| Employer contribution / active EE | $1,209 | $671+80.2% | $1,040+16.2% | $2,756-56.1% |
| Participant deferral / active EE | $2,271 | $1,228+84.8% | $1,954+16.2% | $4,299-47.2% |
| Admin fee / account holder | $548 | $2,432-77.5% | $2,825-80.6% | $6,940-92.1% |