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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 | $56,668 | $72,486-21.8% | $87,103-34.9% | $72,976-22.3% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 10.59% | 24.46%-13.9pp | 28.19%-17.6pp | 81.02%-70.4pp |
| Employer contribution / active EE | $10,277 | $1,894+442.7% | $2,521+307.6% | $2,440+321.2% |
| Participant deferral / active EE | $6,973 | $3,270+113.3% | $4,049+72.2% | $3,608+93.3% |
| Admin fee / account holder | $3,941 | $5,055-22.0% | $7,491-47.4% | $5,124-23.1% |