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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 | $51,328 | $110,337-53.5% | $102,383-49.9% | $145,877-64.8% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 4.98% | 24.83%-19.9pp | 24.94%-20.0pp | 551.28%-546.3pp |
| Employer contribution / active EE | $3,548 | $4,216-15.9% | $3,870-8.3% | $4,663-23.9% |
| Participant deferral / active EE | $7,896 | $5,621+40.5% | $5,060+56.1% | $6,691+18.0% |
| Admin fee / account holder | $2,148 | $9,750-78.0% | $8,391-74.4% | $13,402-84.0% |