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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 | $50,187 | $60,349-16.8% | $74,184-32.3% | $62,881-20.2% |
| Participation rate | 100.0% | 72.7%+27.3pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 0.12% | 21.38%-21.3pp | 17.74%-17.6pp | 20.14%-20.0pp |
| Employer contribution / active EE | $5,599 | $1,680+233.2% | $2,370+136.2% | $2,281+145.5% |
| Participant deferral / active EE | $3,733 | $2,856+30.7% | $3,550+5.2% | $3,203+16.6% |
| Admin fee / account holder | $1,044 | $4,261-75.5% | $5,586-81.3% | $4,296-75.7% |