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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 | $61,380 | $117,895-47.9% | $102,460-40.1% | $145,897-57.9% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 8.32% | 31.92%-23.6pp | 29.47%-21.1pp | 552.29%-544.0pp |
| Employer contribution / active EE | $6,471 | $3,619+78.8% | $3,025+113.9% | $4,663+38.8% |
| Participant deferral / active EE | $6,558 | $5,736+14.3% | $5,056+29.7% | $6,689-2.0% |
| Admin fee / account holder | $4,913 | $13,353-63.2% | $9,460-48.1% | $13,390-63.3% |