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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 | $66,658 | $93,598-28.8% | $135,974-51.0% | $75,173-11.3% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 10.69% | 30.89%-20.2pp | 68.30%-57.6pp | 160.72%-150.0pp |
| Employer contribution / active EE | $6,265 | $3,538+77.1% | $4,859+28.9% | $2,671+134.6% |
| Participant deferral / active EE | $2,687 | $6,405-58.1% | $7,760-65.4% | $4,126-34.9% |
| Admin fee / account holder | $7,915 | $6,978+13.4% | $10,767-26.5% | $5,651+40.1% |