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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 | $79,638 | $127,296-37.4% | $109,907-27.5% | $167,536-52.5% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.2%+25.8pp | 82.1%+17.9pp |
| Annual return | 5.65% | 22.97%-17.3pp | 29.46%-23.8pp | 478.82%-473.2pp |
| Employer contribution / active EE | $453 | $3,325-86.4% | $2,844-84.1% | $4,839-90.6% |
| Participant deferral / active EE | $1,187 | $4,513-73.7% | $4,047-70.7% | $6,342-81.3% |
| Admin fee / account holder | $1,017 | $7,119-85.7% | $6,069-83.2% | $12,315-91.7% |