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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 | $28,916 | $124,314-76.7% | $109,163-73.5% | $167,518-82.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 4.77% | 26.04%-21.3pp | 25.75%-21.0pp | 478.71%-473.9pp |
| Employer contribution / active EE | $1,491 | $4,209-64.6% | $3,723-59.9% | $4,838-69.2% |
| Participant deferral / active EE | $3,704 | $5,256-29.5% | $4,654-20.4% | $6,342-41.6% |
| Admin fee / account holder | $2,050 | $7,973-74.3% | $6,754-69.6% | $12,312-83.4% |