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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 | $168,721 | $153,311+10.1% | $109,313+54.3% | $273,972-38.4% |
| Participation rate | 100.0% | 80.1%+19.9pp | 71.3%+28.7pp | 83.0%+17.0pp |
| Annual return | 1.07% | 29.86%-28.8pp | 22.07%-21.0pp | 41.46%-40.4pp |
| Employer contribution / active EE | $16,263 | $5,619+189.4% | $3,892+317.9% | $4,869+234.0% |
| Participant deferral / active EE | $8,000 | $3,932+103.5% | $3,166+152.6% | $5,287+51.3% |
| Admin fee / account holder | $1,184 | $8,076-85.3% | $5,666-79.1% | $10,133-88.3% |