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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 | $39,146 | $95,415-59.0% | $185,851-78.9% | $85,851-54.4% |
| Participation rate | 100.0% | 68.8%+31.2pp | 81.7%+18.3pp | 69.3%+30.7pp |
| Annual return | 10.11% | 23.59%-13.5pp | 122.11%-112.0pp | 318.63%-308.5pp |
| Employer contribution / active EE | $5,931 | $3,314+79.0% | $5,168+14.8% | $2,565+131.2% |
| Participant deferral / active EE | $3,892 | $3,424+13.7% | $5,569-30.1% | $3,952-1.5% |
| Admin fee / account holder | $2,750 | $7,215-61.9% | $16,245-83.1% | $6,261-56.1% |