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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 | $28,789 | $78,682-63.4% | $109,188-73.6% | $85,851-66.5% |
| Participation rate | 100.0% | 68.3%+31.7pp | 75.9%+24.1pp | 69.3%+30.7pp |
| Annual return | 10.93% | 25.09%-14.2pp | 25.76%-14.8pp | 318.63%-307.7pp |
| Employer contribution / active EE | $4,493 | $2,734+64.3% | $3,723+20.7% | $2,565+75.1% |
| Participant deferral / active EE | $3,457 | $3,468-0.3% | $4,654-25.7% | $3,952-12.5% |
| Admin fee / account holder | $1,744 | $5,470-68.1% | $6,755-74.2% | $6,261-72.1% |