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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 | $108,981 | $51,638+111.0% | $129,406-15.8% | $80,959+34.6% |
| Participation rate | 93.9% | 56.9%+37.0pp | 69.6%+24.3pp | 67.7%+26.3pp |
| Annual return | 7.53% | 20.78%-13.3pp | 9468.18%-9460.6pp | 35.67%-28.1pp |
| Employer contribution / active EE | $6,844 | $1,584+332.2% | $4,155+64.7% | $2,757+148.2% |
| Participant deferral / active EE | $3,977 | $2,670+48.9% | $4,167-4.6% | $4,300-7.5% |
| Admin fee / account holder | $1,004 | $4,313-76.7% | $7,689-86.9% | $6,925-85.5% |