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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 | $100,807 | $59,804+68.6% | $81,982+23.0% | $79,856+26.2% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.3%+30.7pp | 69.6%+30.4pp |
| Annual return | 9.35% | 17.56%-8.2pp | 41.31%-32.0pp | 31.71%-22.4pp |
| Employer contribution / active EE | $3,096 | $1,713+80.7% | $2,498+23.9% | $2,471+25.3% |
| Participant deferral / active EE | $6,239 | $2,695+131.5% | $3,722+67.6% | $3,741+66.8% |
| Admin fee / account holder | $889 | $4,288-79.3% | $5,665-84.3% | $5,306-83.2% |