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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 | $40,836 | $95,404-57.2% | $113,397-64.0% | $82,637-50.6% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 8.49% | 19.08%-10.6pp | 23.20%-14.7pp | 53.51%-45.0pp |
| Employer contribution / active EE | $6,052 | $2,307+162.4% | $2,977+103.3% | $2,552+137.2% |
| Participant deferral / active EE | $4,048 | $4,220-4.1% | $5,076-20.3% | $4,126-1.9% |
| Admin fee / account holder | $1,681 | $9,168-81.7% | $11,957-85.9% | $7,339-77.1% |