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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 | $91,036 | $93,617-2.8% | $135,982-33.1% | $75,177+21.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 13.69% | 30.89%-17.2pp | 68.32%-54.6pp | 160.75%-147.1pp |
| Employer contribution / active EE | $7,163 | $3,538+102.4% | $4,859+47.4% | $2,671+168.2% |
| Participant deferral / active EE | $7,168 | $6,406+11.9% | $7,760-7.6% | $4,126+73.7% |
| Admin fee / account holder | $963 | $6,980-86.2% | $10,767-91.1% | $5,651-83.0% |