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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 | $43,143 | $116,203-62.9% | $93,621-53.9% | $152,909-71.8% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.8%+4.2pp | 82.5%-2.5pp |
| Annual return | 0.50% | 35.96%-35.5pp | 32.76%-32.3pp | 345.46%-345.0pp |
| Employer contribution / active EE | $8,995 | $3,219+179.4% | $2,719+230.9% | $4,764+88.8% |
| Participant deferral / active EE | $6,567 | $4,605+42.6% | $4,070+61.4% | $5,851+12.2% |
| Admin fee / account holder | $586 | $10,751-94.6% | $7,890-92.6% | $11,601-95.0% |