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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 | $97,934 | $125,797-22.1% | $170,043-42.4% | $75,173+30.3% |
| Participation rate | 100.0% | 83.6%+16.4pp | 87.0%+13.0pp | 67.2%+32.8pp |
| Annual return | 13.13% | 27.20%-14.1pp | 53.40%-40.3pp | 160.72%-147.6pp |
| Employer contribution / active EE | $5,845 | $4,616+26.6% | $6,790-13.9% | $2,671+118.8% |
| Participant deferral / active EE | $8,222 | $6,838+20.2% | $10,410-21.0% | $4,126+99.3% |
| Admin fee / account holder | $27,244 | $8,177+233.2% | $12,824+112.4% | $5,651+382.1% |