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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 | $115,112 | $70,430+63.4% | $96,572+19.2% | $85,851+34.1% |
| Participation rate | 100.0% | 61.8%+38.2pp | 69.8%+30.2pp | 69.3%+30.7pp |
| Annual return | 9.71% | 18.58%-8.9pp | 37.79%-28.1pp | 318.63%-308.9pp |
| Employer contribution / active EE | $551 | $1,413-61.0% | $2,357-76.6% | $2,565-78.5% |
| Participant deferral / active EE | $1,303 | $2,894-55.0% | $3,850-66.1% | $3,952-67.0% |
| Admin fee / account holder | $2,393 | $4,996-52.1% | $6,183-61.3% | $6,261-61.8% |