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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 | $54,972 | $51,604+6.5% | $129,295-57.5% | $80,874-32.0% |
| Participation rate | 90.6% | 57.0%+33.6pp | 69.6%+20.9pp | 67.6%+22.9pp |
| Annual return | 9.62% | 20.76%-11.1pp | 9429.28%-9419.7pp | 35.62%-26.0pp |
| Employer contribution / active EE | $1,084 | $1,585-31.6% | $4,157-73.9% | $2,756-60.7% |
| Participant deferral / active EE | $4,260 | $2,670+59.5% | $4,169+2.2% | $4,297-0.9% |
| Admin fee / account holder | $3,715 | $4,310-13.8% | $7,665-51.5% | $6,935-46.4% |