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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 | $159,961 | $81,446+96.4% | $103,374+54.7% | $80,874+97.8% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 8.96% | 25.57%-16.6pp | 24.89%-15.9pp | 35.62%-26.7pp |
| Employer contribution / active EE | $7,495 | $3,107+141.2% | $3,869+93.7% | $2,756+172.0% |
| Participant deferral / active EE | $6,750 | $3,870+74.4% | $5,058+33.5% | $4,297+57.1% |
| Admin fee / account holder | $46,628 | $6,715+594.4% | $8,394+455.5% | $6,935+572.3% |