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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 | $107,425 | $76,834+39.8% | $108,359-0.9% | $87,485+22.8% |
| Participation rate | 100.0% | 61.7%+38.3pp | 70.1%+29.9pp | 68.9%+31.1pp |
| Annual return | 4.46% | 19.09%-14.6pp | 36.89%-32.4pp | 26.06%-21.6pp |
| Employer contribution / active EE | $583 | $1,556-62.5% | $2,399-75.7% | $2,596-77.5% |
| Participant deferral / active EE | $2,715 | $3,100-12.4% | $4,137-34.4% | $4,274-36.5% |
| Admin fee / account holder | $868 | $6,537-86.7% | $9,741-91.1% | $7,775-88.8% |