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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 | $61,288 | $124,330-50.7% | $109,173-43.9% | $167,536-63.4% |
| Participation rate | 100.0% | 79.5%+20.5pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 9.19% | 26.04%-16.9pp | 25.75%-16.6pp | 478.82%-469.6pp |
| Employer contribution / active EE | $3,011 | $4,209-28.5% | $3,723-19.1% | $4,839-37.8% |
| Participant deferral / active EE | $15,839 | $5,256+201.3% | $4,654+240.3% | $6,342+149.7% |
| Admin fee / account holder | $8,271 | $7,974+3.7% | $6,755+22.4% | $12,315-32.8% |