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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 | $32,141 | $58,493-45.1% | $84,023-61.7% | $72,976-56.0% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.0%+31.0pp | 69.5%+30.5pp |
| Annual return | 15.69% | 28.93%-13.2pp | 71.32%-55.6pp | 81.02%-65.3pp |
| Employer contribution / active EE | $4,244 | $1,163+264.9% | $1,984+113.9% | $2,440+73.9% |
| Participant deferral / active EE | $3,871 | $2,394+61.7% | $3,239+19.5% | $3,608+7.3% |
| Admin fee / account holder | $645 | $4,569-85.9% | $6,102-89.4% | $5,124-87.4% |