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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 | $30,553 | $176,786-82.7% | $146,643-79.2% | $167,536-81.8% |
| Participation rate | 83.3% | 83.6%-0.3pp | 80.1%+3.3pp | 82.1%+1.2pp |
| Annual return | 0.77% | 24.04%-23.3pp | 22.75%-22.0pp | 478.82%-478.0pp |
| Employer contribution / active EE | $2,138 | $5,161-58.6% | $4,137-48.3% | $4,839-55.8% |
| Participant deferral / active EE | $12,045 | $6,440+87.0% | $5,506+118.7% | $6,342+89.9% |
| Admin fee / account holder | $2,410 | $13,262-81.8% | $10,280-76.6% | $12,315-80.4% |