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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 | $70,439 | $51,642+36.4% | $129,384-45.6% | $80,935-13.0% |
| Participation rate | 75.0% | 56.9%+18.1pp | 69.6%+5.4pp | 67.7%+7.3pp |
| Annual return | 10.00% | 20.78%-10.8pp | 9461.77%-9451.8pp | 35.66%-25.7pp |
| Employer contribution / active EE | $2,284 | $1,583+44.3% | $4,153-45.0% | $2,757-17.1% |
| Participant deferral / active EE | $2,612 | $2,670-2.1% | $4,166-37.3% | $4,299-39.2% |
| Admin fee / account holder | $7,418 | $4,312+72.0% | $7,686-3.5% | $6,924+7.1% |