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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 | $52,425 | $117,846-55.5% | $102,434-48.8% | $145,884-64.1% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.58% | 31.90%-23.3pp | 29.46%-20.9pp | 551.85%-543.3pp |
| Employer contribution / active EE | $2,454 | $3,615-32.1% | $3,023-18.8% | $4,662-47.4% |
| Participant deferral / active EE | $6,265 | $5,733+9.3% | $5,055+23.9% | $6,690-6.3% |
| Admin fee / account holder | $319 | $13,356-97.6% | $9,462-96.6% | $13,392-97.6% |