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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 | $108,632 | $64,359+68.8% | $90,161+20.5% | $70,126+54.9% |
| Participation rate | 100.0% | 70.4%+29.6pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 11.28% | 28.13%-16.9pp | 34.89%-23.6pp | 73.15%-61.9pp |
| Employer contribution / active EE | $11,175 | $2,046+446.3% | $3,318+236.8% | $2,343+377.1% |
| Participant deferral / active EE | $3,606 | $4,389-17.8% | $5,287-31.8% | $3,332+8.2% |
| Admin fee / account holder | $4,112 | $3,945+4.2% | $5,943-30.8% | $4,645-11.5% |