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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 | $37,842 | $116,203-67.4% | $93,621-59.6% | $152,909-75.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 2.29% | 35.96%-33.7pp | 32.76%-30.5pp | 345.46%-343.2pp |
| Employer contribution / active EE | $4,675 | $3,219+45.2% | $2,719+71.9% | $4,764-1.9% |
| Participant deferral / active EE | $8,182 | $4,605+77.7% | $4,070+101.0% | $5,851+39.8% |
| Admin fee / account holder | $1,503 | $10,751-86.0% | $7,890-81.0% | $11,601-87.0% |