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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 | $36,600 | $127,790-71.4% | $106,554-65.7% | $167,553-78.2% |
| Participation rate | 92.9% | 78.3%+14.6pp | 76.1%+16.7pp | 82.1%+10.7pp |
| Annual return | 0.76% | 33.88%-33.1pp | 26.80%-26.0pp | 478.89%-478.1pp |
| Employer contribution / active EE | $5,907 | $3,427+72.3% | $2,819+109.5% | $4,840+22.0% |
| Participant deferral / active EE | $4,894 | $5,088-3.8% | $4,398+11.3% | $6,343-22.8% |
| Admin fee / account holder | $676 | $11,231-94.0% | $7,408-90.9% | $12,316-94.5% |