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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 | $73,097 | $124,346-41.2% | $111,308-34.3% | $167,536-56.4% |
| Participation rate | 100.0% | 79.6%+20.4pp | 77.3%+22.7pp | 82.1%+17.9pp |
| Annual return | 6.06% | 37.45%-31.4pp | 54.67%-48.6pp | 478.82%-472.8pp |
| Employer contribution / active EE | $6,950 | $3,437+102.2% | $2,732+154.4% | $4,839+43.6% |
| Participant deferral / active EE | $6,404 | $5,182+23.6% | $4,487+42.7% | $6,342+1.0% |
| Admin fee / account holder | $3,316 | $10,621-68.8% | $7,965-58.4% | $12,315-73.1% |