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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 | $48,928 | $86,298-43.3% | $111,308-56.0% | $85,847-43.0% |
| Participation rate | 100.0% | 73.3%+26.7pp | 77.3%+22.7pp | 69.3%+30.7pp |
| Annual return | 8.87% | 19.99%-11.1pp | 54.67%-45.8pp | 318.61%-309.7pp |
| Employer contribution / active EE | $5,665 | $2,044+177.2% | $2,732+107.4% | $2,565+120.8% |
| Participant deferral / active EE | $2,376 | $3,641-34.7% | $4,487-47.0% | $3,952-39.9% |
| Admin fee / account holder | $5,714 | $8,189-30.2% | $7,965-28.3% | $6,261-8.7% |