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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 | $62,721 | $106,524-41.1% | $152,301-58.8% | $87,485-28.3% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 14.02% | 26.89%-12.9pp | 80.50%-66.5pp | 26.06%-12.0pp |
| Employer contribution / active EE | $7,300 | $3,371+116.5% | $4,624+57.9% | $2,596+181.2% |
| Participant deferral / active EE | $5,233 | $6,525-19.8% | $8,004-34.6% | $4,274+22.5% |
| Admin fee / account holder | $13,191 | $8,287+59.2% | $14,398-8.4% | $7,775+69.7% |