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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 | $64,024 | $81,504-21.4% | $102,437-37.5% | $80,959-20.9% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 9.53% | 25.60%-16.1pp | 24.95%-15.4pp | 35.67%-26.1pp |
| Employer contribution / active EE | $9,045 | $3,104+191.4% | $3,871+133.7% | $2,757+228.1% |
| Participant deferral / active EE | $6,254 | $3,871+61.6% | $5,060+23.6% | $4,300+45.4% |
| Admin fee / account holder | $1,721 | $6,719-74.4% | $8,388-79.5% | $6,925-75.2% |