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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 | $86,760 | $77,472+12.0% | $100,392-13.6% | $80,935+7.2% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 9.31% | 37.26%-27.9pp | 49.45%-40.1pp | 35.66%-26.3pp |
| Employer contribution / active EE | $5,851 | $2,800+108.9% | $3,941+48.4% | $2,757+112.2% |
| Participant deferral / active EE | $5,910 | $6,818-13.3% | $8,090-26.9% | $4,299+37.4% |
| Admin fee / account holder | $3,339 | $5,885-43.3% | $7,904-57.8% | $6,924-51.8% |