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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 | $79,205 | $71,057+11.5% | $93,654-15.4% | $80,874-2.1% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.6%+32.4pp |
| Annual return | 9.01% | 11.26%-2.2pp | 133.34%-124.3pp | 35.62%-26.6pp |
| Employer contribution / active EE | $2,519 | $1,564+61.1% | $2,421+4.1% | $2,756-8.6% |
| Participant deferral / active EE | $7,103 | $4,034+76.1% | $4,413+61.0% | $4,297+65.3% |
| Admin fee / account holder | $1,118 | $6,944-83.9% | $8,282-86.5% | $6,935-83.9% |