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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 | $81,476+96.3% | $102,383+56.2% | $80,925+97.7% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 8.96% | 25.59%-16.6pp | 24.94%-16.0pp | 35.65%-26.7pp |
| Employer contribution / active EE | $7,495 | $3,105+141.4% | $3,870+93.7% | $2,756+171.9% |
| Participant deferral / active EE | $6,750 | $3,871+74.4% | $5,060+33.4% | $4,299+57.0% |
| Admin fee / account holder | $46,628 | $6,717+594.1% | $8,391+455.7% | $6,940+571.9% |