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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 | $54,065 | $77,817-30.5% | $123,553-56.2% | $64,173-15.8% |
| Participation rate | 100.0% | 74.7%+25.3pp | 82.3%+17.7pp | 69.6%+30.4pp |
| Annual return | -8.34% | 12.49%-20.8pp | 119.21%-127.5pp | 7.63%-16.0pp |
| Employer contribution / active EE | $5,152 | $3,014+70.9% | $4,628+11.3% | $2,381+116.4% |
| Participant deferral / active EE | $10,908 | $5,240+108.2% | $6,426+69.7% | $3,470+214.4% |
| Admin fee / account holder | $5,458 | $5,519-1.1% | $9,284-41.2% | $4,887+11.7% |