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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 | $55,086 | $100,279-45.1% | $81,353-32.3% | $145,884-62.2% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 7.04% | 34.49%-27.4pp | 24.82%-17.8pp | 551.85%-544.8pp |
| Employer contribution / active EE | $3,216 | $2,979+8.0% | $2,464+30.5% | $4,662-31.0% |
| Participant deferral / active EE | $1,396 | $4,611-69.7% | $3,885-64.1% | $6,690-79.1% |
| Admin fee / account holder | $807 | $8,206-90.2% | $5,766-86.0% | $13,392-94.0% |