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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 | $97,534 | $78,428+24.4% | $95,960+1.6% | $79,852+22.1% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 9.00% | 19.37%-10.4pp | 91.63%-82.6pp | 31.72%-22.7pp |
| Employer contribution / active EE | $820 | $1,945-57.9% | $2,541-67.7% | $2,471-66.8% |
| Participant deferral / active EE | $4,132 | $3,440+20.1% | $4,167-0.8% | $3,740+10.5% |
| Admin fee / account holder | $5,189 | $5,622-7.7% | $6,797-23.7% | $5,306-2.2% |