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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 | $18,205 | $39,162-53.5% | $100,671-81.9% | $59,633-69.5% |
| Participation rate | 100.0% | 55.9%+44.1pp | 70.7%+29.3pp | 68.7%+31.3pp |
| Annual return | -3.66% | 21.07%-24.7pp | 20.43%-24.1pp | 2041.45%-2045.1pp |
| Employer contribution / active EE | $2,177 | $1,151+89.2% | $4,012-45.7% | $2,203-1.2% |
| Participant deferral / active EE | $2,122 | $1,992+6.5% | $3,144-32.5% | $3,192-33.5% |
| Admin fee / account holder | $1,480 | $2,969-50.2% | $4,850-69.5% | $4,297-65.6% |