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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 | $51,355 | $81,504-37.0% | $102,437-49.9% | $80,959-36.6% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 7.50% | 25.60%-18.1pp | 24.95%-17.5pp | 35.67%-28.2pp |
| Employer contribution / active EE | $4,287 | $3,104+38.1% | $3,871+10.8% | $2,757+55.5% |
| Participant deferral / active EE | $5,673 | $3,871+46.6% | $5,060+12.1% | $4,300+31.9% |
| Admin fee / account holder | $3,670 | $6,719-45.4% | $8,388-56.2% | $6,925-47.0% |