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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 | $52,726 | $66,764-21.0% | $88,497-40.4% | $62,881-16.1% |
| Participation rate | 100.0% | 77.3%+22.7pp | 82.4%+17.6pp | 69.3%+30.7pp |
| Annual return | 4.13% | 10.37%-6.2pp | 7.63%-3.5pp | 20.14%-16.0pp |
| Employer contribution / active EE | $7,313 | $3,077+137.7% | $4,036+81.2% | $2,281+220.6% |
| Participant deferral / active EE | $4,266 | $3,976+7.3% | $4,899-12.9% | $3,203+33.2% |
| Admin fee / account holder | $5,388 | $4,668+15.4% | $6,220-13.4% | $4,296+25.4% |