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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 | $67,407 | $88,672-24.0% | $105,223-35.9% | $82,448-18.2% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 12.27% | 30.86%-18.6pp | 180.65%-168.4pp | 41.64%-29.4pp |
| Employer contribution / active EE | $6,901 | $3,048+126.4% | $3,689+87.1% | $2,551+170.5% |
| Participant deferral / active EE | $4,578 | $4,036+13.4% | $5,072-9.7% | $4,139+10.6% |
| Admin fee / account holder | $12,255 | $7,146+71.5% | $8,859+38.3% | $7,234+69.4% |