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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 | $33,549 | $72,492-53.7% | $87,104-61.5% | $72,975-54.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 15.22% | 24.46%-9.2pp | 28.19%-13.0pp | 81.01%-65.8pp |
| Employer contribution / active EE | $5,005 | $1,894+164.3% | $2,521+98.5% | $2,440+105.1% |
| Participant deferral / active EE | $3,657 | $3,270+11.8% | $4,048-9.7% | $3,608+1.4% |
| Admin fee / account holder | $923 | $5,055-81.7% | $7,491-87.7% | $5,124-82.0% |