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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 | $33,746 | $81,504-58.6% | $102,437-67.1% | $80,959-58.3% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 8.82% | 25.60%-16.8pp | 24.95%-16.1pp | 35.67%-26.9pp |
| Employer contribution / active EE | $4,832 | $3,104+55.7% | $3,871+24.8% | $2,757+75.3% |
| Participant deferral / active EE | $1,743 | $3,871-55.0% | $5,060-65.6% | $4,300-59.5% |
| Admin fee / account holder | $319 | $6,719-95.2% | $8,388-96.2% | $6,925-95.4% |