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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 | $22,348 | $65,685-66.0% | $57,181-60.9% | $273,968-91.8% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.3%+24.7pp | 83.0%+17.0pp |
| Annual return | 0.29% | 21.99%-21.7pp | 14.59%-14.3pp | 41.45%-41.2pp |
| Employer contribution / active EE | $6,198 | $3,279+89.1% | $2,682+131.1% | $4,869+27.3% |
| Participant deferral / active EE | $7,505 | $3,781+98.5% | $3,096+142.4% | $5,287+42.0% |
| Admin fee / account holder | $22,179 | $4,835+358.8% | $3,139+606.5% | $10,132+118.9% |