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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 | $43,907 | $107,666-59.2% | $102,184-57.0% | $154,746-71.6% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 9.28% | 29.33%-20.1pp | 31.58%-22.3pp | 172.34%-163.1pp |
| Employer contribution / active EE | $7,877 | $3,846+104.8% | $3,594+119.2% | $4,379+79.9% |
| Participant deferral / active EE | $19,771 | $8,719+126.7% | $8,309+137.9% | $6,730+193.8% |
| Admin fee / account holder | $59,783 | $12,943+361.9% | $11,609+415.0% | $14,365+316.2% |