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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 | $54,876 | $77,908-29.6% | $149,696-63.3% | $75,173-27.0% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 12.45% | 31.73%-19.3pp | 134.46%-122.0pp | 160.72%-148.3pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,996 | $3,411-41.5% | $5,682-64.9% | $4,126-51.6% |
| Admin fee / account holder | $820 | $5,950-86.2% | $13,212-93.8% | $5,651-85.5% |