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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 | $92,160 | $77,472+19.0% | $100,415-8.2% | $80,959+13.8% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 10.42% | 37.26%-26.8pp | 49.47%-39.1pp | 35.67%-25.2pp |
| Employer contribution / active EE | $6,216 | $2,800+122.0% | $3,943+57.6% | $2,757+125.4% |
| Participant deferral / active EE | $9,763 | $6,818+43.2% | $8,091+20.7% | $4,300+127.0% |
| Admin fee / account holder | $1,457 | $5,885-75.2% | $7,906-81.6% | $6,925-79.0% |