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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 | $51,149 | $63,703-19.7% | $93,063-45.0% | $82,448-38.0% |
| Participation rate | 86.7% | 63.8%+22.8pp | 72.1%+14.6pp | 68.1%+18.6pp |
| Annual return | 12.69% | -775.43%+788.1pp | 34.15%-21.5pp | 41.64%-29.0pp |
| Employer contribution / active EE | $500 | $1,729-71.1% | $2,476-79.8% | $2,551-80.4% |
| Participant deferral / active EE | $4,345 | $2,919+48.8% | $3,958+9.8% | $4,139+5.0% |
| Admin fee / account holder | $2,530 | $5,982-57.7% | $6,033-58.1% | $7,234-65.0% |