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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 | $68,272 | $161,352-57.7% | $134,172-49.1% | $137,256-50.3% |
| Participation rate | 100.0% | 78.3%+21.7pp | 72.5%+27.5pp | 80.0%+20.0pp |
| Annual return | 8.82% | 28.72%-19.9pp | 25.30%-16.5pp | 220.34%-211.5pp |
| Employer contribution / active EE | $11,188 | $4,099+173.0% | $3,420+227.1% | $4,156+169.2% |
| Participant deferral / active EE | $5,161 | $5,552-7.0% | $4,690+10.0% | $6,407-19.4% |
| Admin fee / account holder | $8,594 | $15,028-42.8% | $12,016-28.5% | $12,270-30.0% |