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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 | $109,394 | $70,486+55.2% | $100,528+8.8% | $79,852+37.0% |
| Participation rate | 100.0% | 73.6%+26.4pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 9.95% | 21.90%-12.0pp | 30.90%-20.9pp | 31.72%-21.8pp |
| Employer contribution / active EE | $6,760 | $2,165+212.3% | $3,419+97.7% | $2,471+173.5% |
| Participant deferral / active EE | $5,987 | $5,182+15.5% | $6,271-4.5% | $3,740+60.1% |
| Admin fee / account holder | $5,867 | $4,480+31.0% | $8,084-27.4% | $5,306+10.6% |