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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 | $143,495 | $52,580+172.9% | $71,671+100.2% | $70,126+104.6% |
| Participation rate | 100.0% | 60.9%+39.1pp | 68.7%+31.3pp | 69.5%+30.5pp |
| Annual return | 7.64% | 20.25%-12.6pp | 20.65%-13.0pp | 73.15%-65.5pp |
| Employer contribution / active EE | $10,421 | $1,616+545.0% | $2,460+323.7% | $2,343+344.9% |
| Participant deferral / active EE | $8,315 | $2,386+248.5% | $3,438+141.9% | $3,332+149.6% |
| Admin fee / account holder | $902 | $3,653-75.3% | $5,558-83.8% | $4,645-80.6% |