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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 | $31,456 | $78,690-60.0% | $161,489-80.5% | $87,485-64.0% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 12.31% | 32.74%-20.4pp | 89.72%-77.4pp | 26.06%-13.8pp |
| Employer contribution / active EE | $3,883 | $2,588+50.0% | $4,268-9.0% | $2,596+49.6% |
| Participant deferral / active EE | $2,002 | $3,311-39.5% | $5,630-64.4% | $4,274-53.1% |
| Admin fee / account holder | $1,958 | $6,724-70.9% | $16,006-87.8% | $7,775-74.8% |