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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 | $69,600 | $72,269-3.7% | $101,271-31.3% | $79,852-12.8% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 3.76% | 22.29%-18.5pp | 46.48%-42.7pp | 31.72%-28.0pp |
| Employer contribution / active EE | $6,284 | $2,692+133.4% | $3,660+71.7% | $2,471+154.3% |
| Participant deferral / active EE | $5,275 | $3,282+60.7% | $4,371+20.7% | $3,740+41.0% |
| Admin fee / account holder | $3,150 | $4,401-28.4% | $5,948-47.0% | $5,306-40.6% |