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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 | $60,644 | $87,834-31.0% | $133,975-54.7% | $62,881-3.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 87.1%+12.9pp | 69.3%+30.7pp |
| Annual return | 4.18% | 12.05%-7.9pp | 29.29%-25.1pp | 20.14%-16.0pp |
| Employer contribution / active EE | $5,429 | $3,482+55.9% | $5,211+4.2% | $2,281+138.0% |
| Participant deferral / active EE | $9,855 | $4,812+104.8% | $6,282+56.9% | $3,203+207.7% |
| Admin fee / account holder | $1,082 | $5,372-79.9% | $9,324-88.4% | $4,296-74.8% |