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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 | $131,304 | $87,166+50.6% | $76,735+71.1% | $137,256-4.3% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 9.94% | 26.50%-16.6pp | 29.77%-19.8pp | 220.34%-210.4pp |
| Employer contribution / active EE | $3,379 | $2,904+16.4% | $2,454+37.7% | $4,156-18.7% |
| Participant deferral / active EE | $9,800 | $4,726+107.4% | $4,088+139.7% | $6,407+53.0% |
| Admin fee / account holder | $14,750 | $8,403+75.5% | $7,189+105.2% | $12,270+20.2% |