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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 | $71,707 | $77,472-7.4% | $100,392-28.6% | $80,935-11.4% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 10.53% | 37.26%-26.7pp | 49.45%-38.9pp | 35.66%-25.1pp |
| Employer contribution / active EE | $5,619 | $2,800+100.6% | $3,941+42.5% | $2,757+103.8% |
| Participant deferral / active EE | $4,559 | $6,818-33.1% | $8,090-43.6% | $4,299+6.0% |
| Admin fee / account holder | $2,151 | $5,885-63.5% | $7,904-72.8% | $6,924-68.9% |