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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 | $55,771 | $103,393-46.1% | $87,103-36.0% | $152,909-63.5% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 1.32% | 28.10%-26.8pp | 28.19%-26.9pp | 345.46%-344.1pp |
| Employer contribution / active EE | $2,021 | $3,221-37.2% | $2,521-19.8% | $4,764-57.6% |
| Participant deferral / active EE | $2,420 | $4,778-49.4% | $4,049-40.2% | $5,851-58.6% |
| Admin fee / account holder | $17,884 | $12,195+46.7% | $7,491+138.7% | $11,601+54.2% |