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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 | $16,222 | $55,453-70.7% | $170,435-90.5% | $62,293-74.0% |
| Participation rate | 100.0% | 66.4%+33.6pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 9.04% | 21.38%-12.3pp | 205.94%-196.9pp | 28.90%-19.9pp |
| Employer contribution / active EE | $665 | $2,164-69.3% | $5,432-87.8% | $2,042-67.5% |
| Participant deferral / active EE | $1,806 | $2,303-21.6% | $4,939-63.4% | $3,169-43.0% |
| Admin fee / account holder | $708 | $455+55.6% | $13,881-94.9% | $479+47.7% |