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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 | $43,254 | $86,332-49.9% | $125,180-65.4% | $65,185-33.6% |
| Participation rate | 100.0% | 75.3%+24.7pp | 79.8%+20.2pp | 70.2%+29.8pp |
| Annual return | 16.51% | 27.43%-10.9pp | 43.79%-27.3pp | 29.38%-12.9pp |
| Employer contribution / active EE | $3,638 | $2,040+78.3% | $3,866-5.9% | $2,177+67.1% |
| Participant deferral / active EE | $5,362 | $3,537+51.6% | $4,937+8.6% | $3,514+52.6% |
| Admin fee / account holder | $2,320 | $609+280.8% | $9,703-76.1% | $847+173.8% |