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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 | $33,465 | $110,410-69.7% | $102,437-67.3% | $145,897-77.1% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.5%+5.5pp | 80.3%-0.3pp |
| Annual return | 5.47% | 24.85%-19.4pp | 24.95%-19.5pp | 552.29%-546.8pp |
| Employer contribution / active EE | $9,257 | $4,217+119.5% | $3,871+139.2% | $4,663+98.5% |
| Participant deferral / active EE | $4,216 | $5,622-25.0% | $5,060-16.7% | $6,689-37.0% |
| Admin fee / account holder | $2,284 | $9,745-76.6% | $8,388-72.8% | $13,390-82.9% |