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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 | $218,500 | $124,314+75.8% | $109,163+100.2% | $167,518+30.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 2.81% | 26.04%-23.2pp | 25.75%-22.9pp | 478.71%-475.9pp |
| Employer contribution / active EE | $2,287 | $4,209-45.7% | $3,723-38.6% | $4,838-52.7% |
| Participant deferral / active EE | $12,573 | $5,256+139.2% | $4,654+170.2% | $6,342+98.3% |
| Admin fee / account holder | $2,266 | $7,973-71.6% | $6,754-66.5% | $12,312-81.6% |