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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 | $64,919 | $127,790-49.2% | $106,555-39.1% | $167,536-61.3% |
| Participation rate | 100.0% | 78.3%+21.7pp | 76.1%+23.9pp | 82.1%+17.9pp |
| Annual return | 7.97% | 33.88%-25.9pp | 26.80%-18.8pp | 478.82%-470.8pp |
| Employer contribution / active EE | $13,759 | $3,428+301.4% | $2,819+388.0% | $4,839+184.3% |
| Participant deferral / active EE | $9,491 | $5,088+86.5% | $4,399+115.8% | $6,342+49.6% |
| Admin fee / account holder | $538 | $11,229-95.2% | $7,408-92.7% | $12,315-95.6% |